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/query.go

@@ -225,6 +225,7 @@ func (r *Repository) baseQuery(ctx context.Context) *gorm.DB {
 	return r.db.WithContext(ctx).Table("rental_listings AS l").
 		Select(`l.*, a.title, a.description, a.game_name, a.server_region, a.login_platform, a.rank_level,
 			a.haf_coin_amount, a.asset_summary, a.screenshot_urls, COALESCE(u.phone, '') AS owner_phone, COALESCE(u.nickname, '') AS owner_nickname,
+			COALESCE(u.quality_owner_status = 'active', 0) AS owner_is_quality_owner,
 			CASE WHEN lu.id IS NULL THEN 0 ELSE 1 END AS is_external_upload,
 			COALESCE(src_site.site_code, '') AS distribution_site_code,
 			COALESCE(src_site.site_name, '') AS distribution_site_name,