feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计
- 新增极品专区发布权限、赔付方案与保险结算费率快照
- 优化首页、商品卡和个人中心的优质号主身份展示

backend/internal/modules/adminuser/dto.go

@@ -20,6 +20,10 @@ type UserDTO struct {
 	RenterGrowthLevelName         string     `json:"renter_growth_level_name"`
 	AvailableBalanceCent          int64      `json:"available_balance_cent"`
 	FrozenBalanceCent             int64      `json:"frozen_balance_cent"`
+	QualityOwnerStatus            string     `json:"quality_owner_status"`
+	QualityOwnerDepositCent       int64      `json:"quality_owner_deposit_cent"`
+	QualityOwnerDepositSource     string     `json:"quality_owner_deposit_source"`
+	QualityOwnerActivatedAt       *time.Time `json:"quality_owner_activated_at"`
 	Status                        string     `json:"status"`
 	OrderCount                    int64      `json:"order_count"`
 	ListingCount                  int64      `json:"listing_count"`
@@ -65,6 +69,7 @@ type ListQuery struct {
 	Keyword             string
 	Status              string
 	HasDepositFreeQuota bool
+	QualityOwnerOnly    bool
 }
 
 type PaginatedResult struct {