Self-review of PR #2906 flagged: defaultListenAddr was ":9100" — binds
on every container interface. Inside today's deployment that's moot
(no host port mapping, platform talks over loopback) but it's not
least-privilege. A future Dockerfile edit that publishes the port,
a misconfigured Fly machine, or a future cross-host plugin topology
would expose an unauth'd memory store.
Loopback is the right baseline. Operators with a multi-host topology
already override via MEMORY_PLUGIN_LISTEN_ADDR — that path is unchanged.
Tests:
* TestLoadConfig_DefaultListenAddrIsLoopback pins the new default.
* TestLoadConfig_ListenAddrEnvOverride pins the override path so
operators relying on it don't break.
* TestLoadConfig_MissingDatabaseURL covers the existing fail-fast.
No prior unit tests existed for loadConfig — boot_e2e_test.go always
sets MEMORY_PLUGIN_LISTEN_ADDR explicitly, so the default was never
exercised by tests. This PR adds that coverage.
Refs RFC #2728. Hardening follow-up to PR #2906.