Demo app doesn't run "No directory provided for file keyring"

Ran into this error from another CLI I'm trying to use.

Tried to run the demo app. I get the following error. I don't know which backend it came from, or how to provide a directory for "file keyring".

I'm on WSL2. Distro info attached.

```
$ go run github.com/99designs/keyring/cmd/keyring@latest
go: downloading github.com/99designs/keyring v1.2.2
go: downloading github.com/mtibben/percent v0.2.1
go: downloading github.com/gsterjov/go-libsecret v0.0.0-20161001094733-a6f4afe4910c
go: downloading github.com/dvsekhvalnov/jose2go v1.5.0
go: downloading github.com/godbus/dbus v0.0.0-20190726142602-4481cbc300e2
go: downloading golang.org/x/term v0.3.0
go: downloading golang.org/x/sys v0.3.0
2025/09/05 00:43:36 No directory provided for file keyring
exit status 1

$ cat /etc/os-release
PRETTY_NAME="Ubuntu 24.04.3 LTS"
NAME="Ubuntu"
VERSION_ID="24.04"
VERSION="24.04.3 LTS (Noble Numbat)"
VERSION_CODENAME=noble
ID=ubuntu
ID_LIKE=debian
HOME_URL="https://www.ubuntu.com/"
SUPPORT_URL="https://help.ubuntu.com/"
BUG_REPORT_URL="https://bugs.launchpad.net/ubuntu/"
PRIVACY_POLICY_URL="https://www.ubuntu.com/legal/terms-and-policies/privacy-policy"
UBUNTU_CODENAME=noble
LOGO=ubuntu-logo

$ echo $XDG_CONFIG_HOME
/tmp/xxxxxxxxx
$ file ~/.config/go-keyring/
/home/.../.config/go-keyring/: directory
```

```
$ go run github.com/99designs/keyring/cmd/keyring@latest --debug --backend file
2025/09/05 00:53:16 [keyring] Considering backends: [file]
2025/09/05 00:53:16 Getting key "example" in service "example" in backend "file"
2025/09/05 00:53:16 No directory provided for file keyring
exit status 1
```