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/task/service.py

@@ -42,11 +42,11 @@ class TaskService:
         task_type: TaskType,
         idempotency_key: str,
         payload: dict[str, Any] | None = None,
-        points_reserved: int = 0,
+        quota_reserved: int = 0,
         reserve_tx_id: int | None = None,
         eta_seconds: int | None = None,
     ) -> Task:
-        """Create a task. FR-TASK-05: 相同幂等键返回同一任务，不重复扣点。"""
+        """Create a task. FR-TASK-05: 相同幂等键返回同一任务，不重复扣减配额。"""
         existing = await repo.find_by_idempotency_key(self._session, idempotency_key)
         if existing is not None:
             return existing
@@ -61,7 +61,7 @@ class TaskService:
                 progress=progress_for(TaskStatus.PENDING),
                 idempotency_key=idempotency_key,
                 payload=payload or {},
-                points_reserved=points_reserved,
+                quota_reserved=quota_reserved,
                 reserve_tx_id=reserve_tx_id,
                 eta_seconds=eta_seconds,
             ),