fix: 优化体验

openspec/changes/add-payment-submit-guard/tasks.md

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+## 1. Wallet Recharge Confirmation Submit Guard
+
+- [x] 1.1 Add a dedicated submitting state for the wallet recharge confirmation flow
+- [x] 1.2 Ignore repeated taps while `confirmRecharge` is already running
+- [x] 1.3 Bind the confirmation button state to the submitting state and restore it on every exit path
+
+## 2. Package Payment Confirmation Submit Guard
+
+- [x] 2.1 Add a dedicated submitting state for the package payment confirmation flow
+- [x] 2.2 Ignore repeated taps while `confirmPay` is already running
+- [x] 2.3 Bind the confirmation button state to the submitting state and restore it on every exit path
+
+## 3. Order List Immediate Payment Submit Guard
+
+- [x] 3.1 Add a dedicated submitting state for order list immediate payment
+- [x] 3.2 Ignore repeated taps while `handleOrderPayment` is already running for the current payment flow
+- [x] 3.3 Bind the order list immediate payment button state to the submitting state and restore it on every exit path
+
+## 4. Wallet Recharge Order Immediate Payment Submit Guard
+
+- [x] 4.1 Add a dedicated submitting state for wallet recharge order immediate payment
+- [x] 4.2 Ignore repeated taps while `handleRechargePayment` is already running for the current payment flow
+- [x] 4.3 Bind the recharge order immediate payment button state to the submitting state and restore it on every exit path
+
+## 5. Regression Verification
+
+- [x] 5.1 Verify repeated taps only trigger one effective submit in the wallet recharge modal
+- [x] 5.2 Verify repeated taps only trigger one effective submit in the package payment modal
+- [x] 5.3 Verify repeated taps only trigger one effective submit in the order list immediate payment flow
+- [x] 5.4 Verify repeated taps only trigger one effective submit in the wallet recharge order immediate payment flow
+- [x] 5.5 Verify users can retry after validation failure, payment cancel, payment failure, list refresh, and modal reopen