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A server without authentication has no accounts, so named-user left the add-on owner off. Resolve the unset mode in one place: local-owner when authentication is off, named-user when it is on. A flag or environment value still wins, and an unknown value is still refused. Assisted-by: Claude Code:claude-sonnet-5-5 go Signed-off-by: Ettore Di Giacinto <mudler@localai.io>