The server uses the topic package instead of the limit service for the rate
visitors: a subscribe sets the rate visitor (user ID and masked IP), a poll,
a stream close and the manager's keepalive record subscriber activity, a
refused push notes an unknown topic (insert-only). The limiter key is derived
on every push from the rate visitor's current tier (refreshed in the
background every minute, never on the publish path), so a downgrade or a
deleted account charges the IP. Before a 404 for an abandoned topic the row
is read from the database. The Matrix gateway rejects the pushkey under the
same 7-day rule; its 12 h per-node rule is gone.