Chore: Improve error handling and model selection
This commit enhances the `ai-commit.sh` script by adding checks
for the existence of necessary Git configuration files
(`.gitconfig` and `.git-credentials`). This prevents the script
from running without proper Git configuration, improving the user
experience by providing informative error messages.
Additionally, updates the `git_commit_ai.py` to utilize
`gemini-2.0-flash` to improve model selection and potential
performance.