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

pages/home/home.uvue

@@ -43,6 +43,8 @@
 </template>
 
 <script setup lang="uts">
+	import { getUserStorage } from '@/services/storage.uts'
+
 	import { usePageLayout } from '@/services/layout.uts'
 	const { contentStyle, statusStyle, pageStyle, navigationStyle, navigationActionStyle, navigationBrandStyle } = usePageLayout()
 	import BrandLogo from '@/components/BrandLogo.uvue'
@@ -53,7 +55,7 @@
 		if (consumeInitialLaunch()) uni.reLaunch({ url: '/packages/account/index/index' })
 	})
 	const hasUnread = ref(true)
-	onShow(() => { hasUnread.value = uni.getStorageSync('finance.notice.read.assessment-guide') != true })
+	onShow(() => { hasUnread.value = getUserStorage('finance.notice.read.assessment-guide') != true })
 	const go = (url: string) => { uni.navigateTo({ url: url }) }
 	const openEntry = (type: string) => { go('/packages/finance/entry/entry?type=' + type) }
 </script>