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>

internal/service/shop_commission/service.go

@@ -16,7 +16,7 @@ import (
 type Service struct {
 	shopStore                    *postgres.ShopStore
 	accountStore                 *postgres.AccountStore
-	walletStore                  *postgres.WalletStore
+	agentWalletStore             *postgres.AgentWalletStore
 	commissionWithdrawalReqStore *postgres.CommissionWithdrawalRequestStore
 	commissionRecordStore        *postgres.CommissionRecordStore
 }
@@ -24,14 +24,14 @@ type Service struct {
 func New(
 	shopStore *postgres.ShopStore,
 	accountStore *postgres.AccountStore,
-	walletStore *postgres.WalletStore,
+	agentWalletStore *postgres.AgentWalletStore,
 	commissionWithdrawalReqStore *postgres.CommissionWithdrawalRequestStore,
 	commissionRecordStore *postgres.CommissionRecordStore,
 ) *Service {
 	return &Service{
 		shopStore:                    shopStore,
 		accountStore:                 accountStore,
-		walletStore:                  walletStore,
+		agentWalletStore:             agentWalletStore,
 		commissionWithdrawalReqStore: commissionWithdrawalReqStore,
 		commissionRecordStore:        commissionRecordStore,
 	}
@@ -74,7 +74,7 @@ func (s *Service) ListShopCommissionSummary(ctx context.Context, req *dto.ShopCo
 		shopIDs = append(shopIDs, shop.ID)
 	}
 
-	walletSummaries, err := s.walletStore.GetShopCommissionSummaryBatch(ctx, shopIDs)
+	walletSummaries, err := s.agentWalletStore.GetShopCommissionSummaryBatch(ctx, shopIDs)
 	if err != nil {
 		return nil, errors.Wrap(errors.CodeInternalError, err, "查询店铺钱包汇总失败")
 	}
@@ -123,7 +123,7 @@ func (s *Service) ListShopCommissionSummary(ctx context.Context, req *dto.ShopCo
 	}, nil
 }
 
-func (s *Service) buildCommissionSummaryItem(shop *model.Shop, walletSummary *postgres.ShopCommissionSummary, withdrawnAmount, withdrawingAmount int64, account *model.Account) dto.ShopCommissionSummaryItem {
+func (s *Service) buildCommissionSummaryItem(shop *model.Shop, walletSummary *model.AgentWallet, withdrawnAmount, withdrawingAmount int64, account *model.Account) dto.ShopCommissionSummaryItem {
 	var balance, frozenBalance int64
 	if walletSummary != nil {
 		balance = walletSummary.Balance