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.

tests/unit/test_quota_domain.py

@@ -109,3 +109,12 @@ def test_ledger_can_recompute_the_balance() -> None:
     state = quota.refund(state, 1)
     deltas.append(1)
     assert state.used == -sum(deltas)
+
+
+def test_hard_cap_clips_base_plus_bonus() -> None:
+    # 产品方案 §3.2：有效额度 = min(base + bonus, hard_cap)
+    state = quota.QuotaState(used=0, base_limit=10, bonus=10, hard_cap=40)
+    assert state.effective_limit == 20
+    clipped = quota.QuotaState(used=0, base_limit=10, bonus=40, hard_cap=40)
+    assert clipped.effective_limit == 40
+    assert not quota.evaluate(clipped, 41).allowed