feat(worker-platform): 增加寄卖白名单总开关，关闭后全员可发布

资金配置与打手列表可一键切换白名单模式；发布校验、打手端入口按总开关放行。同时收紧未开通判定、关权限确认和开通弹窗文案。

Co-authored-by: Cursor <cursoragent@cursor.com>

apps/backend/src/domain/consignment-whitelist.test.ts

@@ -0,0 +1,26 @@
+import assert from 'node:assert/strict'
+import test from 'node:test'
+
+import { canWorkerPublishConsignment } from './consignment-whitelist.js'
+
+test('白名单关闭时所有打手都能发布寄卖', () => {
+  assert.equal(
+    canWorkerPublishConsignment({ whitelistEnabled: false, workerCanConsign: false }),
+    true,
+  )
+  assert.equal(
+    canWorkerPublishConsignment({ whitelistEnabled: false, workerCanConsign: true }),
+    true,
+  )
+})
+
+test('白名单开启时仅开通权限的打手能发布', () => {
+  assert.equal(
+    canWorkerPublishConsignment({ whitelistEnabled: true, workerCanConsign: false }),
+    false,
+  )
+  assert.equal(
+    canWorkerPublishConsignment({ whitelistEnabled: true, workerCanConsign: true }),
+    true,
+  )
+})