fix: 补全三处轮询覆盖缺口

问题一：protect 轮询任务从未被调度器初始化入队
PollingConfig 新增 protect_check_interval 字段（NULL=不参与），
调度器 initCardsBatch/initCardPolling/requeueCard 补全 protect 队列
初始化逻辑，IotCard 新增 last_protect_check_at 记录上次检查时间。
迁移文件：000102_add_polling_protect_fields

问题二：设备套餐流量耗尽时绑定卡未被停机
UsageService.checkAndTriggerSuspension 新增 carrier_type=device 分支，
通过 DeviceSimBindingStore.ListByDeviceID 查询绑定卡，对每张卡异步
触发 CheckAndStopCard，同步注入 Bootstrap 依赖。

问题三：主套餐过期后不立即停机，依赖下次轮询兜底
PackageActivationHandler.processExpiredPackage 在 updateCarrierSuspended
Status 后，若载体无后续生效套餐，立即异步调用 CheckAndStopCard（iot_card
类型直接触发，device 类型遍历绑定卡），消除停机延迟窗口。

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

internal/bootstrap/services.go

@@ -107,7 +107,7 @@ func initServices(s *stores, deps *Dependencies) *services {
 	iotCard := iotCardSvc.New(deps.DB, s.IotCard, s.Shop, s.AssetAllocationRecord, s.ShopPackageAllocation, s.ShopSeriesAllocation, s.PackageSeries, deps.GatewayClient, deps.Logger)
 	iotCard.SetPollingCallback(polling.NewAPICallback(deps.Redis, deps.Logger))
 	// 注入流量扣减回调，使手动刷新资产时能触发套餐流量扣减
-	usageService := packageSvc.NewUsageService(deps.DB, deps.Redis, s.PackageUsage, s.PackageUsageDailyRecord, deps.Logger)
+	usageService := packageSvc.NewUsageService(deps.DB, deps.Redis, s.PackageUsage, s.PackageUsageDailyRecord, s.DeviceSimBinding, deps.Logger)
 	iotCard.SetDataDeductor(usageService)
 
 	// 创建支付配置服务（Order 和 Recharge 依赖）

internal/bootstrap/worker_services.go

@@ -47,6 +47,7 @@ func initWorkerServices(stores *queue.WorkerStores, deps *WorkerDependencies) *q
 		deps.Redis,
 		stores.PackageUsage,
 		stores.PackageUsageDailyRecord,
+		stores.DeviceSimBinding,
 		deps.Logger,
 	)
 
@@ -116,6 +117,7 @@ func initWorkerServices(stores *queue.WorkerStores, deps *WorkerDependencies) *q
 		ResetService:          resetService,
 		AlertService:          alertService,
 		CleanupService:        cleanupService,
+		StopResumeService:     stopResumeService,
 		OrderExpirer:          orderService,
 	}
 }