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"])
     )