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/domain/billing/quota.py

@@ -74,10 +74,14 @@ class QuotaState:
     used: int
     base_limit: int
     bonus: int = 0
+    hard_cap: int | None = None
 
     @property
     def effective_limit(self) -> int:
-        return self.base_limit + self.bonus
+        raw = self.base_limit + self.bonus
+        if self.hard_cap is None:
+            return raw
+        return min(raw, self.hard_cap)
 
     @property
     def remaining(self) -> int: