Fix SSH password auth: disable key lookup when password is configured ...

asyncssh tried ~/.ssh/* keys before the password, causing PermissionDenied
on hosts that only accept password auth. Now when 'password' is set and no
'client_keys', key auth is disabled entirely.

Unrestricted terminal mode and SSH tool ...

- Terminal: TERMINAL_ALLOWED_COMMANDS=* (default) runs via shell,
  supports pipes, redirects, subshells; allowlist mode still available
- FS_ALLOWED_PATHS expanded to cover /home /etc /var /opt
- New ssh_exec tool: execute commands on remote hosts via asyncssh,
  supports named connections (ssh_hosts.json) and inline user@host
- ssh_hosts.json gitignored, ssh_hosts.json.example added as reference
- ssh_exec added to server_admin and smart_home profiles