fix(hub): require the passphrase to change the e-mail on file

A member hands its hub access token to every node it connects to (the MNP
handshake), so a node operator holds a live bearer token for that member.
PATCH /v1/users/me {email} needed only that token, and the confirmation code
goes to the new address — so an operator could point the account's e-mail at
their own inbox, confirm it, and then use the passphrase-reset path to take the
account over. This is the immediate mitigation of that chain; the full fix
(a node-audience token distinct from the API session token) follows.

Changing the address now requires the passphrase-derived auth_key, verified
through the same throttle as a passphrase change or an account deletion — the
hub still never sees the passphrase. A PATCH that does not change the address is
unaffected. The profile page prompts for the passphrase and derives auth_key
with the existing MeshBayKeys.deriveAuthKey, as the delete and change-password
flows already do.

test_email_change_requires_passphrase.py: refused without / with a wrong
passphrase, proceeds with the right one, and a no-email PATCH still works; red
before, green after. test_mail_is_not_a_relay.py updated to pass the auth_key.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

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