Kinda unrelated but..., I was troubleshooting an ssh connection this afternoon and someone mentioned that I couldn't ssh into my G4 running 10.1 because I didn't have an encryption key (per the post above).
Not taking 'no' for an answer

, I tried it anyway. Now my setup is a PC running WinMe on the same network as my G4. From the PC's Telnet app I selected a ssh connection, but then just entered in the IP of the G4. It presented me with a Login: prompt and then Password: prompt and I was in!
So I later found out that if the user name are the same on both computers, you can in effect, create a non-secure ssh connection (I know, that's an oxymoron - just read the man pages. They'll tell ya). So, if you are just trying to get into a home network through ssh and haven't created a key - and you are using the same logon on the other computer, it works. I suspect it would even work if you don't have the same logon, but I'm not up for testing that...