Outline: (1) authentication × authorization; (2) JWT and its claims; (3) auth interface and auth-service; (4) the cookie; (5) open routes; (6) AuthorizationFilter at the gateway; (7) compose and testing.
Let the class answer first: checking credentials in every service multiplies the attack surface and the code.
Stress: downstream services never parse JWTs; they just read the id-account header.