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/listing/public_query.go

@@ -185,7 +185,7 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 
 	var rows []publicZoneRow
 	err := r.db.WithContext(ctx).Table("rental_listings AS l").
-		Select("a.login_platform, a.haf_coin_amount, a.asset_summary").
+		Select("a.login_platform, a.haf_coin_amount, a.asset_summary, l.is_premium").
 		Joins("JOIN game_accounts AS a ON a.id = l.account_id").
 		Where("l.status = ? AND l.review_status = ? AND l.in_transaction = ?", "published", "approved", false).
 		Scan(&rows).Error
@@ -199,6 +199,7 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		"night":    0,
 		"password": 0,
 		"highCoin": 0,
+		"premium":  0,
 	}
 	for _, row := range rows {
 		summary := decodeAssetSummary(row.AssetSummary)
@@ -217,6 +218,9 @@ func (r *Repository) publicZoneCountsCached(ctx context.Context) (map[string]int
 		if float64(row.HafCoinAmount)/1000000 >= 100 {
 			counts["highCoin"]++
 		}
+		if row.IsPremium {
+			counts["premium"]++
+		}
 	}
 	r.publicZoneCounts = publicZoneCountCache{
 		Counts:    counts,
@@ -319,4 +323,5 @@ type publicZoneRow struct {
 	LoginPlatform string
 	HafCoinAmount int64
 	AssetSummary  datatypes.JSON `gorm:"column:asset_summary"`
+	IsPremium     bool           `gorm:"column:is_premium"`
 }