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SSH only works when you have a network connection.

You also need another computer, which kind of defeats the purpose. That's like saying you don't need wine when you have VNC.

You have something called loopback.

…which requires your device to listen to SSH connections, right? This isn't something your iPad is doing.

You would jailbreak your iThing and install ssh server.

If you're jailbroken, you can just spawn a shell. No need to do a SSH loopback dance.