POST /api/auth/admin/change-password and POST /api/customer/profile/password
both verify the current password before replacing it, which makes them a
credential check an attacker holding a hijacked session can drive at will:
the session's own JWT skips the general limiter as authenticated, and they
were not in the auth gate's table. Both join it. Only failures count, so
the one change a user legitimately makes costs nothing.