feat: 钱包系统分离 - 代理钱包与卡钱包完全隔离

## 变更概述
将统一钱包系统拆分为代理钱包和卡钱包两个独立系统，实现数据表和代码层面的完全隔离。

## 数据库变更
- 新增 6 张表：tb_agent_wallet、tb_agent_wallet_transaction、tb_agent_recharge_record、tb_card_wallet、tb_card_wallet_transaction、tb_card_recharge_record
- 删除 3 张旧表：tb_wallet、tb_wallet_transaction、tb_recharge_record
- 代理钱包：按 (shop_id, wallet_type) 唯一标识，支持主钱包和分佣钱包
- 卡钱包：按 (resource_type, resource_id) 唯一标识，支持物联网卡和设备

## 代码变更
- Model 层：新增 AgentWallet、AgentWalletTransaction、AgentRechargeRecord、CardWallet、CardWalletTransaction、CardRechargeRecord 模型
- Store 层：新增 6 个独立 Store，支持事务、乐观锁、Redis 缓存
- Service 层：重构 commission_calculation、commission_withdrawal、order、recharge 等 8 个服务
- Bootstrap 层：更新 Store 和 Service 依赖注入
- 常量层：按钱包类型重新组织常量和 Redis Key 生成函数

## 技术特性
- 乐观锁：使用 version 字段防止并发冲突
- 多租户：支持 shop_id_tag 和 enterprise_id_tag 过滤
- 事务管理：所有余额变动使用事务保证 ACID
- 缓存策略：Cache-Aside 模式，余额变动后删除缓存

## 业务影响
- 代理钱包和卡钱包业务完全隔离，互不影响
- 为独立监控、优化、扩展打下基础
- 提升代理钱包的稳定性和独立性

Co-Authored-By: Claude Sonnet 4.5 <noreply@anthropic.com>

go.mod

@@ -15,7 +15,6 @@ require (
 	github.com/jackc/pgx/v5 v5.7.6
 	github.com/redis/go-redis/v9 v9.17.3
 	github.com/spf13/viper v1.21.0
-	github.com/stretchr/testify v1.11.1
 	github.com/swaggest/openapi-go v0.2.60
 	github.com/valyala/fasthttp v1.66.0
 	github.com/xuri/excelize/v2 v2.8.1
@@ -25,7 +24,6 @@ require (
 	gopkg.in/yaml.v3 v3.0.1
 	gorm.io/datatypes v1.2.7
 	gorm.io/driver/postgres v1.6.0
-	gorm.io/driver/sqlite v1.6.0
 	gorm.io/gorm v1.31.1
 )
 
@@ -40,7 +38,6 @@ require (
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
 	github.com/clbanning/mxj/v2 v2.7.0 // indirect
 	github.com/cloudwego/base64x v0.1.6 // indirect
-	github.com/davecgh/go-spew v1.1.1 // indirect
 	github.com/dgryski/go-rendezvous v0.0.0-20200823014737-9f7001d12a5f // indirect
 	github.com/fsnotify/fsnotify v1.9.0 // indirect
 	github.com/gabriel-vasile/mimetype v1.4.10 // indirect
@@ -60,13 +57,11 @@ require (
 	github.com/mattn/go-colorable v0.1.13 // indirect
 	github.com/mattn/go-isatty v0.0.20 // indirect
 	github.com/mattn/go-runewidth v0.0.16 // indirect
-	github.com/mattn/go-sqlite3 v1.14.22 // indirect
 	github.com/mohae/deepcopy v0.0.0-20170929034955-c48cc78d4826 // indirect
 	github.com/patrickmn/go-cache v2.1.0+incompatible // indirect
 	github.com/pelletier/go-toml/v2 v2.2.4 // indirect
 	github.com/philhofer/fwd v1.1.3-0.20240916144458-20a13a1f6b7c // indirect
 	github.com/pkg/errors v0.9.1 // indirect
-	github.com/pmezard/go-difflib v1.0.0 // indirect
 	github.com/richardlehane/mscfb v1.0.4 // indirect
 	github.com/richardlehane/msoleps v1.0.4 // indirect
 	github.com/rivo/uniseg v0.2.0 // indirect
@@ -77,7 +72,6 @@ require (
 	github.com/spf13/afero v1.15.0 // indirect
 	github.com/spf13/cast v1.10.0 // indirect
 	github.com/spf13/pflag v1.0.10 // indirect
-	github.com/stretchr/objx v0.5.2 // indirect
 	github.com/subosito/gotenv v1.6.0 // indirect
 	github.com/swaggest/jsonschema-go v0.3.74 // indirect
 	github.com/swaggest/refl v1.3.1 // indirect