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.

apps/api/schemas.py

@@ -61,7 +61,7 @@ class QuotaResponse(BaseModel):
     period_key: str
     used: int
     limit_value: int
-    bonus_value: int
+    bonus_granted: int
     remaining: int
     reset_at: datetime | None