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/shared/models.py

@@ -127,8 +127,9 @@ class Quota(Base):
     quota_key: Mapped[str] = mapped_column(String(64), nullable=False)
     period_key: Mapped[str] = mapped_column(String(32), nullable=False)
     used: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
+    # 本周期创建时从规则拷下的 base_limit。规则中途被改，本周期仍按快照判定。
     limit_value: Mapped[int] = mapped_column(Integer, nullable=False)
-    bonus_value: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
+    bonus_granted: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
     updated_at: Mapped[datetime] = mapped_column(
         DateTime(timezone=True), nullable=False, server_default=func.now()
     )
@@ -190,7 +191,7 @@ class Task(Base):
     error_code: Mapped[int | None] = mapped_column(Integer)
     error_message: Mapped[str | None] = mapped_column(String(512))
     retry_count: Mapped[int] = mapped_column(SmallInteger, nullable=False, default=0)
-    points_reserved: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
+    quota_reserved: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
     reserve_tx_id: Mapped[int | None] = mapped_column(BigInteger)
     submitted_at: Mapped[datetime] = mapped_column(
         DateTime(timezone=True), nullable=False, server_default=func.now()