feat(vip): collapse the structured membership groups into accordions

The structured groups introduced in the previous commit rendered every row
fully expanded, which buried the fields an admin actually came to edit.
They now behave like accordions and start collapsed.

- 会员商品, 一级/二级会员续费 and 积分兑换明细 opt in via `collapsible`
  on the group schema. Each row shows only its header, carrying a summary
  line built from `listPreview` (价格：99.00 · 3 个月 / 积分：500 · 30 天),
  and expands on click. `defaultCollapsed` keeps the collapsed default;
  setting it to false restores the previous always-open behaviour.
- 升级价格 splits into its three reference-theme blocks
  (月费升月费 / 月费升永久 / 永久升永久) through a new `sections` option
  on the accordion type, each block independently collapsible.
- AksField keeps the existing open state keyed by index so adding or
  removing a row does not disturb the others, and the drag handle, delete
  button and chevron are excluded from the header toggle.
- Non-collapsible groups are untouched: the accordion markup only renders
  when the schema opts in.

Verified: php -l on the changed PHP, 656 Node contract tests passing
(including new assertions that every collapsible group is opted in, that
the upgrade sections cover exactly the declared fields, and that the SPA
mirror matches), and the admin SPA builds.

assets/admin/src/schema/sections/payment/vip.js

@@ -34,6 +34,20 @@ const vipUnitOptions = [
   { label: '月', value: 'month' },
 ];
 
+// 会员商品/续费商品的手风琴配置：默认收起，标题行显示价格与时长摘要。
+const vipProductGroupOptions = {
+  collapsible: true,
+  defaultCollapsed: true,
+  listPreview: { prefix: '价格：', titleKey: 'price', descKey: 'time', descUnitKey: 'unit' },
+};
+
+// 积分兑换明细的手风琴配置：默认收起，标题行显示积分与时长摘要。
+const vipPointsGroupOptions = {
+  collapsible: true,
+  defaultCollapsed: true,
+  listPreview: { prefix: '积分：', titleKey: 'points', descKey: 'time', descUnitKey: 'unit' },
+};
+
 /**
  * 会员商品字段集（参考主题 CFS_Module::vip_product）。
  */
@@ -69,6 +83,7 @@ function vipLevelTabFields(level) {
         { price: 99, show_price: 199, tag: '<i class="fa fas fa-fw fa-bolt"></i> 限时特惠', time: 3, unit: 'month' },
         { price: 199, show_price: 299, tag: '<i class="fa fas fa-fw fa-bolt"></i> 站长推荐', time: 6, unit: 'month' },
       ],
+      ...vipProductGroupOptions,
       dependsOn: { all: [dep, { key: `vip_${level}_product_s`, value: true }] },
       help: '会员购买价格配置：执行价、原价、促销标签、标签颜色与会员有效时间',
       fields: vipProductFields(),
@@ -331,6 +346,7 @@ export const vipSchema = {
                   ],
                   dependsOn: { key: 'vip_renew_price_type', value: 'customize' },
                   help: '一级会员续费的商品选项',
+                  ...vipProductGroupOptions,
                   fields: vipProductFields(),
                 },
                 {
@@ -345,6 +361,7 @@ export const vipSchema = {
                   ],
                   dependsOn: { key: 'vip_renew_price_type', value: 'customize' },
                   help: '二级会员续费的商品选项',
+                  ...vipProductGroupOptions,
                   fields: vipProductFields(),
                 },
               ],
@@ -376,6 +393,11 @@ export const vipSchema = {
                   },
                   dependsOn: { key: 'vip_upgrade', value: true },
                   help: '会员升级的商品选项',
+                  sections: [
+                    { title: '月费会员升级月费会员', keys: ['_upgrade_unit_notice', 'month_to_month_s', 'unit_price', 'unit_tag', 'unit_tag_class'] },
+                    { title: '月费会员升级永久会员', keys: ['_upgrade_jump_notice', 'jump_s', 'jump_price', 'jump_show_price', 'jump_tag', 'jump_tag_class'] },
+                    { title: '永久会员升级永久会员', keys: ['permanent_price', 'permanent_show_price', 'permanent_tag', 'permanent_tag_class'] },
+                  ],
                   fields: [
                     { key: '_upgrade_unit_notice', label: '', type: 'notice', ui_only: true, alertType: 'warning', content: '月费会员升级为月费会员，用户会员有效期不会改变；价格按照会员剩余天数计算升级价格，请在下方设置每天的单价' },
                     { key: 'month_to_month_s', label: '月费会员升级月费会员', type: 'switch', default: true },
@@ -418,6 +440,7 @@ export const vipSchema = {
           ],
           dependsOn: { key: 'pay_vip_points_exchange_s', value: true },
           help: '每一行为一个可兑换的会员套餐',
+          ...vipPointsGroupOptions,
           fields: [
             { key: 'points', label: '使用积分', type: 'number', default: 100, min: 0, unit: '积分' },
             {