fix(billing): make quota seed and column names match the product SSOT

The product plan is the only source for quota numbers, but the 0001 seed
used a second set (agent_chat 20/50, tryon hard 10) and omitted hairstyle,
hd_export and report regen. Migration 0003 replaces the seed and renames
points_reserved → quota_reserved and bonus_value → bonus_granted so the
docs and the schema stop contradicting each other.

Effective limit now clips at hard_cap. CI runs the integration slice
against the Postgres/Redis services it already starts.

.env.example

@@ -69,7 +69,9 @@ LLM_PEAK_PRICING_ENABLED=true
 
 # ── 全局日成本熔断（NFR-COST-02）─────────────────────────────────────────
 # 按用户配额封不住总成本（总成本 = 用户数 × 人均，用户数无上限），
-# 真正封顶的只有这个全局开关。1000_00 分 = ¥1000/天
+# 真正封顶的只有这个全局开关。
+# 100000 分 = ¥1000/天，是按 8-17 之前旧单价推的占位，不是验收值。
+# 峰谷生效后须用实测 token 分布重算（T-P1-25b），否则熔断会在错误位置触发。
 LLM_DAILY_BUDGET_ENABLED=true
 LLM_DAILY_BUDGET_CENTS=100000
 LLM_BUDGET_TIMEZONE_OFFSET_HOURS=8