chore: update passwap v0.12.1 and align hash validation defaults/errors (#12179)

# Which Problems Are Solved

- Upgrading to `zitadel/passwap` v0.12.1 introduced new encoded-hash
validation paths that still had review feedback open.
- Secret hasher defaults were internally inconsistent (`Hasher.Cost: 4`
vs `Limits.Bcrypt.MinCost: 10`), which could reject hashes created by
the configured hasher.
- New validation error IDs/messages and test coverage needed to be
aligned with project conventions and expected behavior branches.

# How the Problems Are Solved

- Kept the dependency upgrade to `zitadel/passwap` v0.12.1 and completed
the validation integration.
- Updated `ValidateEncodedHash` error handling in
`internal/crypto/passwap.go` to:
  - use unique random-style error IDs,
  - return `Errors.Hash.NotSupported` for no-verifier cases,
  - keep invalid-hash branches mapped to invalid argument errors.
- Expanded `TestHasher_ValidateEncodedHash` in
`internal/crypto/passwap_test.go` to cover and assert:
  - bounds error branch,
  - no-verifier branch,
  - generic invalid-hash branch,
  - expected ZITADEL error IDs/messages.
- Restored lost inline verifier-context comments for argon2 and md5plain
verifier entries.

# Additional Changes

- Added the missing explanatory `Limits` comment for `SecretHasher` in
`cmd/defaults.yaml`.
- Corrected `SecretHasher.Limits.Bcrypt.MinCost` from `10` to `4` to
match the configured default bcrypt cost and avoid configuration
footguns.

# Additional Context

- Follow-up for PR review feedback in
https://github.com/zitadel/zitadel/pull/12179#pullrequestreview-4313121965

---------

Co-authored-by: copilot-swe-agent[bot] <[email protected]>
Co-authored-by: Livio Spring <[email protected]>

internal/command/user_human_test.go

@@ -9,6 +9,7 @@ import (
 	"github.com/muhlemmer/gu"
 	"github.com/stretchr/testify/assert"
 	"github.com/stretchr/testify/require"
+	"github.com/zitadel/passwap"
 	"go.uber.org/mock/gomock"
 	"golang.org/x/text/language"
 
@@ -4007,7 +4008,7 @@ func TestAddHumanCommand(t *testing.T) {
 				hasher: mockPasswordHasher("x"),
 			},
 			want: Want{
-				ValidationErr: zerrors.ThrowInvalidArgument(nil, "USER-JDk4t", "Errors.User.Password.NotSupported"),
+				ValidationErr: zerrors.ThrowInvalidArgument(passwap.ErrNoVerifier, "CRYPT-2xK7d", "Errors.Hash.NotSupported"),
 			},
 		},
 		{