Daemon modules that declare 'auth users' no longer accept credentials over a
remote plaintext connection: server_module_gate refuses at the config gate,
before any SCRAM challenge is sent, unless the connection is verified TLS with
a client certificate matching --client-cn, or a local/SSH transport (loopback
TCP peer or the --stdio pipe). --allow-unauthenticated does not relax this.
The TLS client-CN comparison now uses credentials_secure_equal (S2). Clients
sending --password-file to a non-loopback daemon must use --tls; validate_config
rejects the plaintext case before any network I/O.
Adds utils_sockaddr_is_loopback / utils_fd_peer_is_local / utils_host_is_loopback
helpers with unit tests, a client validation unit test, and integration tests
for the client-side plaintext rejection and the wrong-CN gate refusal.