feat(server): 商业化支付与订单系统 + Harness 改进

- 新增商业化模块：Stripe/Binance Pay 支付、邮箱登录、订单管理
- 新增数据模型：ReportProduct, ReportEntitlement, ReportSnapshot, PaymentEvent, EmailLoginCode
- 新增 API：/api/commerce/checkout, /api/commerce/webhooks/*, /api/commerce/orders/*
- 新增管理后台：订单列表、统计图表、统一 AdminHeader 组件
- 新增中间件测试：RateLimit, Auth, CORS 共 7 个测试用例
- 新增 AGENTS.md 项目代理指令文件
- 新增 REMINDER.md 商业化功能开发规范
- 修复 JWT 解析：添加 WithValidMethods 限制 HS256
- 修复 GetPayStatus：增加用户权限校验
- 更新 .gitignore 和 README.md

server/internal/config/database.go

@@ -5,9 +5,9 @@ import (
 	"log"
 
 	"github.com/glebarez/sqlite"
+	"github.com/gouki/lunar-server/internal/model"
 	"gorm.io/driver/mysql"
 	"gorm.io/gorm"
-	"github.com/gouki/lunar-server/internal/model"
 )
 
 var DB *gorm.DB
@@ -56,6 +56,12 @@ func autoMigrate() error {
 		&model.BirthProfile{},
 		&model.Order{},
 		&model.OrderItem{},
+		&model.ReportProduct{},
+		&model.ReportEntitlement{},
+		&model.ReportSnapshot{},
+		&model.PaymentEvent{},
+		&model.EmailLoginCode{},
+		&model.BaziChartRecord{},
 		&model.WishTree{},
 		&model.Wish{},
 		&model.WishProduct{},
@@ -78,6 +84,14 @@ func autoMigrate() error {
 
 // seedDefaultData 初始化默认数据
 func seedDefaultData() error {
+	reportProduct := model.ReportProduct{
+		Code: "bazi_full_report", Name: "八字完整精批报告", Description: "六大主题与十步大运完整解读",
+		StripeAmount: 499, StripeCurrency: "USD", BinanceAmount: "5.00", BinanceCurrency: "USDT", Status: 1,
+	}
+	if err := DB.Where("code = ?", reportProduct.Code).FirstOrCreate(&reportProduct).Error; err != nil {
+		return err
+	}
+
 	// 补充已有许愿树的背景图（新增字段后老数据为空）
 	if err := DB.Model(&model.WishTree{}).
 		Where("image = '' OR image IS NULL").