They can’t work because your using sso. They do not have passwords.
You can set password with
rake admin:create
To set passwords optionally not making term admins.
You can use
http://localhost:4000/session/eviltrout/become
And replace eviltrout with whatever username you want to log in as. You can also set the admin password and impersonate them.
The development installation you have cannot be used for regular users.