### What?
This PR allows you to use a local database when using
`vercelPostgresAdapter`. This adapter doesn't work with them because it
requires an SSL connection and Neon's WS proxy. Instead we fallback to
using pool from `pg` if `hostname` is either `127.0.0.1` or `localhost`.
If you still want to use `@vercel/postgres` even locally you can pass
`disableUsePgForLocalDatabase: true` here and you'd have to spin up the
DB with a special Neon's Docker Compose setup -
https://vercel.com/docs/storage/vercel-postgres/local-development#option-2:-local-postgres-instance-with-docker
### Why?
Forcing people to use a cloud database locally isn't great. Not only
they are slow but also paid.
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Co-authored-by: Dan Ribbens <dan.ribbens@gmail.com>
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