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.

packages/billing/repo.py

@@ -38,7 +38,7 @@ async def lock_or_create_quota(
             period_key=period_key,
             used=0,
             limit_value=limit_value,
-            bonus_value=0,
+            bonus_granted=0,
         )
         .on_conflict_do_nothing(index_elements=["user_id", "quota_key", "period_key"])
     )

packages/billing/service.py

@@ -44,7 +44,7 @@ class QuotaSnapshot:
     period_key: str
     used: int
     limit_value: int
-    bonus_value: int
+    bonus_granted: int
     remaining: int
     reset_at: datetime | None
 
@@ -69,14 +69,17 @@ class BillingService:
             limit_value=rule.base_limit,
         )
         state = quota_rules.QuotaState(
-            used=row.used, base_limit=row.limit_value, bonus=row.bonus_value
+            used=row.used,
+            base_limit=row.limit_value,
+            bonus=row.bonus_granted,
+            hard_cap=rule.hard_cap,
         )
         return QuotaSnapshot(
             quota_key=quota_key,
             period_key=period_key,
             used=row.used,
             limit_value=row.limit_value,
-            bonus_value=row.bonus_value,
+            bonus_granted=row.bonus_granted,
             remaining=state.remaining,
             reset_at=quota_rules.period_reset_at(now, period_type, self._tz_offset),
         )
@@ -126,7 +129,10 @@ class BillingService:
             limit_value=rule.base_limit,
         )
         state = quota_rules.QuotaState(
-            used=row.used, base_limit=row.limit_value, bonus=row.bonus_value
+            used=row.used,
+            base_limit=row.limit_value,
+            bonus=row.bonus_granted,
+            hard_cap=rule.hard_cap,
         )
 
         try:
@@ -222,7 +228,10 @@ class BillingService:
             limit_value=rule.base_limit,
         )
         state = quota_rules.QuotaState(
-            used=row.used, base_limit=row.limit_value, bonus=row.bonus_value
+            used=row.used,
+            base_limit=row.limit_value,
+            bonus=row.bonus_granted,
+            hard_cap=rule.hard_cap,
         )
         new_state = quota_rules.refund(state, reservation.amount)
         row.used = new_state.used