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/messages/messages.uvue

@@ -19,6 +19,8 @@
 </template>
 
 <script setup lang="uts">
+	import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import BottomNav from '@/components/BottomNav.uvue'
@@ -36,14 +38,14 @@
 	const unreadCount = computed((): number => notices.value.filter((item: Notice): boolean => item.unread).length)
 	onShow(() => {
 		notices.value.forEach((item: Notice): void => {
-			if (uni.getStorageSync('finance.notice.read.' + item.id) == true) item.unread = false
+			if (getUserStorage('finance.notice.read.' + item.id) == true) item.unread = false
 		})
 	})
 	const markRead = (id: string): void => {
 		const item = notices.value.find((value: Notice): boolean => value.id == id)
 		if (item == null) return
 		item.unread = false
-		uni.setStorageSync('finance.notice.read.' + id, true)
+		setUserStorage('finance.notice.read.' + id, true)
 	}
 	const openNotice = (item: Notice): void => {
 		markRead(item.id)