This is one take-away from this Spring-related discussion.
On some hosts, a stream client that connects to localhost with default credentials, it will get back a a resolved local hostname (not localhost or [::1]). The client will then try to connect to that hostname using the same default credentials, which will be rejected as a remote connection with default credentials.
Instead, the server (or the client itself, this is a TBD) can notice that the connection target
was localhost and advertise localhost regardless of the node configuration.
Per discussion with @acogoluegnes @Zerpet.