Before, in version 6.0, I didn't have this problem...
When I'm in the file manager, I select any folder and try to access the terminal from the file manager itself using the Terminal option.

However, when I open the terminal, I'm unable to use it and get a message. How can I fix this?

{'result': 'Password or private key cannot both be empty: 127.0.0.1:22'}
As you can see, there is no option to configure this.