handleEmailOTPStart minted and mailed a code on every call, so an
authenticated caller could drive unbounded mail to any address they
typed — an email-bomb primitive against arbitrary mailboxes.
Add a separate otpLimiter (its own sync.Once and map, distinct from the
wake limiter) and throttle each send on two keys before anything is
minted: the caller (user:<id>) and the recipient (email:<lower>). A
refused send mints no code and mails nothing; both cooldowns are
recorded only after delivery succeeds, mirroring the wake path so a
failed mint or delivery never consumes the throttle. The two-key design
stops both one account fanning out across addresses and many accounts
converging on one mailbox.
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