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/finance/archive/archive.uvue

@@ -12,6 +12,8 @@
 </template>
 
 <script setup lang="uts">
+	import { setUserStorage } from '@/services/storage.uts'
+
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
@@ -28,8 +30,8 @@
 	])
 	const refresh = () => { progress.value = assessmentProgress(type.value) }
 	onShow(() => { type.value = activeAssessmentType(); refresh() })
-	const switchType = (next: string) => { type.value = next; uni.setStorageSync('assessmentActiveType', next); refresh() }
-	const edit = (step: number) => { uni.setStorageSync('assessmentEditStep', step); uni.navigateTo({ url: '/packages/finance/assessment/assessment?type=' + type.value }) }
+	const switchType = (next: string) => { type.value = next; setUserStorage('assessmentActiveType', next); refresh() }
+	const edit = (step: number) => { setUserStorage('assessmentEditStep', step); uni.navigateTo({ url: '/packages/finance/assessment/assessment?type=' + type.value }) }
 	const complete = () => {
 		if (progress.value.percent == 100) uni.navigateTo({ url: '/packages/finance/confirm/confirm' })
 		else if (!progress.value.basicDone) edit(0)