A token carries the user's roles and account, so a demoted admin kept admin
claims until the token expired. The team member update and the admin user
edit now rotate the security stamp and evict the cached value when the role,
account or user name changes. Permission overrides are read per request and
are not in the token.
Tokens now carry a keyed hash of the account's security stamp, and every
authenticated request compares it with the stored stamp (cached for 60 s,
evicted in-process on change). A password reset or change, a deactivation
and a deletion all rotate or remove the stamp, so tokens issued before them
get 401. Tokens without the claim get 401 too.
