[binc] allow plain auth in non ssl for localhost only????

[RYAN vAN GINNEKEN]

It is me again did i mention how much i love BINC well i do.  Here is my 
problem well it is not really a problem this time more of a question. 

I am using freebsd 4.9 stable apache 2.0.0.49 with openssl module and 
php4.3.4 module with squirrel mail version 1.4.2.  Also i use BINC imap 
version 1.2.3 postfix  2.0.18 let me tell you that setting all this up 
was not easy however the reward of getting all to work is like winning 
against the machine.  So here is my question i use BINC ssl  for my IMAP 
clients (Outlook Mozzila and the like) however using Squirrel mail on 
the localhost i do not and cannot use ssl.  So the only way i can get 
Squirrel mail to work is by setting the

allow plain auth in non ssl = "yes",            /* allow login or
                                                     authenticate
                                                     when not in
                                                     SSL/TLS mode */
please tell me there is another way because my clients will not enable 
ssl unless they have to and having users login with plain text would 
really really really suck.  There must be a way to specify talking to 
the local host without ssl is ok but talking to remote machines without 
ssl is not ok.   I  promise i will do a how to for freebsd for your 
website if want me to because i think BINC is a great product.