What steps should be taken when encountering limitations set by the hosting provider on accessing and modifying server configuration files like php.ini?

When encountering limitations set by the hosting provider on accessing and modifying server configuration files like php.ini, one possible solution is to override the settings using .htaccess file. This file allows you to set specific configurations for your website without directly modifying the server's php.ini file.

<IfModule mod_php.c>
    php_value memory_limit 128M
    php_value upload_max_filesize 64M
    php_value post_max_size 64M
</IfModule>