I often find mold on my miso, and kind of dig that part out and eat the rest.
In Japan I did a ceramics apprenticeship and at my teacher's rural studio I once had the undignified job of kitchen muck-out before a big studio open house. It had never been done in the 30+ years he had been there. Much crazy and disgusting stuff was found, pickles still in crocks that had long turned unrecognizable, fossilized
mice, lots of mysteries. We found many vintages of miso, if it is still recognizable as miso and doesn't smell like ammonia you're good. Once it starts to smell like vinegar or ammonia (or something even worse) it's best jettisoned. Then you get to the phase where it is not really recognizable as miso, like dried out and looks like black grout, definitely let that go. It can keep for 7 years, under the right circumstances, but it won't keep forever.