feat(domains): identity, billing, task services and domain placeholders

Billing implements reserve -> commit -> refund against bl_quota and bl_ledger with row-level locking and idempotency keys; the refund commits on its own transaction so a failed request cannot silently keep a user's quota. Task implements the unified task centre over the state machine. Identity issues and resolves users. Remaining domains are placeholders whose READMEs state what belongs there and what must not.
2026-08-14 00:26:39 +08:00
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+# `packages/wardrobe/` — 我的衣橱（V2，占位）
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+V1 明确不做（需求规格 §5.2）：依赖属性识别与 L5 记忆，工作量大。
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+FR-WDB-01~03。V2 再来。