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/profile/profile.uvue

@@ -15,11 +15,14 @@
 </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'
 	import AppIcon from '@/components/AppIcon.uvue'
-	import { clearSession, getSession } from '@/services/api.uts'
+	import { getSession } from '@/services/api.uts'
+	import { logoutAccount } from '@/packages/account/services/auth.uts'
 	import { activeAssessmentType, assessmentProgress, showAgreementNotice } from '@/services/assessment.uts'
 	import { DEFAULT_AVATAR, getAccountProfile, maskPhone } from '@/packages/account/services/account.uts'
 	const { contentStyle, pageStyle } = usePageLayout()
@@ -39,7 +42,7 @@
 		const type = activeAssessmentType()
 		displayName.value = loggedIn.value ? profile.nickname : '登录 / 注册'
 		completion.value = assessmentProgress(type).percent
-		const latest = uni.getStorageSync('latestAssessment')
+		const latest = getUserStorage('latestAssessment')
 		hasReport.value = latest != null && typeof latest == 'object'
 	})
 	const go = (url: string) => { uni.navigateTo({ url }) }
@@ -48,13 +51,16 @@
 		if (key == 'archive') go('/packages/finance/archive/archive')
 		else if (key == 'help') go('/packages/content/help/help')
 		else if (key == 'security') go(loggedIn.value ? '/packages/account/security/security' : '/packages/account/login/login')
-		else if (key == 'privacy') uni.showActionSheet({ itemList: ['查看隐私说明', '管理资料与授权'], success: (result) => { if (result.tapIndex == 0) showAgreementNotice('隐私说明'); else if (result.tapIndex == 1) { uni.setStorageSync('assessmentEditStep', 3); go('/packages/finance/assessment/assessment?type=' + activeAssessmentType()) } } })
+		else if (key == 'privacy') uni.showActionSheet({ itemList: ['查看隐私说明', '管理资料与授权'], success: (result) => { if (result.tapIndex == 0) showAgreementNotice('隐私说明'); else if (result.tapIndex == 1) { setUserStorage('assessmentEditStep', 3); go('/packages/finance/assessment/assessment?type=' + activeAssessmentType()) } } })
 		else if (key == 'about') uni.showModal({ title: '关于 AI融资', content: '版本 V1.0.0\n帮助您整理融资信息、了解融资知识与融资方案。评估结果仅供参考，不构成授信承诺。', showCancel: false, confirmText: '我知道了' })
 	}
 	const openAccount = () => { go(loggedIn.value ? '/packages/account/edit-profile/edit-profile' : '/packages/account/login/login') }
 	const logout = () => {
 		if (!loggedIn.value) { go('/packages/account/login/login'); return }
-		uni.showModal({ title: '退出登录', content: '退出后，本机保存的评估草稿仍会保留。', confirmText: '退出登录', success: (result) => { if (result.confirm) { clearSession(); uni.reLaunch({ url: '/packages/account/login/login' }) } } })
+        uni.showModal({ title: '退出登录', content: '退出后，本机保存的评估草稿仍会保留。', confirmText: '退出登录', success: (result) => { if (result.confirm) {
+            logoutAccount().then(() => { uni.reLaunch({ url: '/packages/account/login/login' }) })
+                .catch(() => { uni.showToast({ title: '退出失败，请检查网络后重试', icon: 'none' }) })
+        } }, fail: (error) => { console.error('logout confirmation failed', error); uni.showToast({ title: '暂时无法打开确认框，请重试', icon: 'none' }) } })
 	}
 </script>