Panic occurs when config on disk is not equivalent to app config

[spiffcs]

What happened:
When migrating between versions of syft a user encountered the following when trying to see the new help command:

./syft
panic: error loading config object: `:`: 1 error(s) decoding:

* 'file' expected a map, got 'string'

goroutine 1 [running]:
github.com/anchore/clio.showConfigInRootHelp.func1(0x14000466300, {0x1047c3320, 0x0, 0x0})
        /home/runner/go/pkg/mod/github.com/anchore/clio@v0.0.0-20231016125544-c98a83e1c7fc/help_template.go:65 +0x350
github.com/spf13/cobra.(*Command).Help(0x140006f5ab8?)

What you expected to happen:
No panic should occur and the command using clio should surface an error loading the config

How to reproduce it (as minimally and precisely as possible):

• Download the latest version of syft
• Change the file field in the config from a map to empty string file: ''

Anything else we need to know?:

#39