refactor: 重构存储与接口适配，统一金额单位与会话管理

- 新增配置、存储、金额转换工具服务
- 按userId隔离本地缓存，替换旧设备级存储
- 统一移动端金额单位为万元，新增转换适配逻辑
- 重构认证与请求逻辑，支持真实后端会话
- 调整搜索、帮助、融资模块的模拟开关与数据适配
- 更新文档说明开发状态与配置规则

packages/account/login/login.uvue

@@ -24,12 +24,12 @@
 <script setup lang="uts">
 	import { usePageLayout } from '@/services/layout.uts'
 	import BrandLogo from '@/components/BrandLogo.uvue'
-	import { API_BASE_URL, requestSmsCode, loginWithSms, loginWithPassword, saveSession } from '@/packages/account/services/auth.uts'
+	import { API_BASE_URL, requestSmsCode, loginWithSms, loginWithPassword } from '@/packages/account/services/auth.uts'
 	import { showAgreementNotice } from '@/services/assessment.uts'
 	import { consumeInitialLaunch } from '@/services/launch.uts'
 	onLoad(() => { consumeInitialLaunch() })
 	const { statusStyle, contentStyle, pageStyle } = usePageLayout()
-	const mode = ref('phone')
+	const mode = ref('password')
 	const phone = ref('')
 	const password = ref('')
 	const smsCode = ref('')
@@ -58,7 +58,7 @@
 			if (countdown.value <= 1) { countdown.value = 0; clearInterval(countdownTimer) } else countdown.value -= 1
 		}, 1000)
 	}
-	const finishLogin = (token: string) => { saveSession(token, phone.value); uni.redirectTo({ url: '/pages/home/home' }) }
+	const finishLogin = (_token: string) => { uni.redirectTo({ url: '/pages/home/home' }) }
 	const resendSms = async () => {
 		if (loading.value || countdown.value > 0 || !validPhone()) return
 		if (!agreed.value) { errorMessage.value = '请先阅读并勾选用户协议与隐私政策'; return }