Default server bind to 0.0.0.0:50151
127.0.0.1 default left the daemon unreachable from the LAN, which is
the common deployment shape (Pi audio appliance + remote CLI). Flip the
default to all-interfaces and lean on the bearer token (random fallback)
for the no-zerod.toml case. Document the security trade-off in the
Security section and tell users to set bearer_token explicitly when
exposing on a network they don't fully trust.