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/points/points.uvue

@@ -32,6 +32,8 @@
 </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 AppIcon from '@/components/AppIcon.uvue'
@@ -58,7 +60,7 @@
 	}
 	const restore = (): void => {
 		today.value = localDate()
-		const stored = uni.getStorageSync('finance.points.checkin.days')
+		const stored = getUserStorage('finance.points.checkin.days')
 		if (typeof stored != 'string' || stored == '') { signDays.value = []; return }
 		const restored = (stored as string).split(',')
 		const unique: string[] = []
@@ -71,7 +73,7 @@
 		if (signedToday.value) { uni.showToast({ title: '今天已签到，明天再来', icon: 'none' }); return }
 		const next = signDays.value.slice()
 		next.unshift(today.value)
-		uni.setStorageSync('finance.points.checkin.days', next.join(','))
+		setUserStorage('finance.points.checkin.days', next.join(','))
 		signDays.value = next
 		recordsExpanded.value = true
 		uni.showToast({ title: '签到完成，体验积分 +10', icon: 'none' })