fix(vip): add spacing before points exchange notice

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>

tests/widget-system/vip-points-exchange-modal.test.cjs

@@ -66,7 +66,9 @@ test('弹窗内容保持参考主题结构：标题/我的积分/卡片选择/
   assert.match(modal, /name="action" value="points_initiate_pay"/);
   assert.match(modal, /mt6 but jb-yellow btn-block radius padding-lg/);
   assert.match(modal, /data-aksrt-vip-points-submit/);
-  assert.match(modal, /badg c-red btn-block/);
+  // CTA 与积分不足状态都从卡片选择区留出 20px 上间距，避免状态切换时布局贴紧。
+  assert.match(modal, /\$form = '<div class="mt20">'/);
+  assert.match(modal, /'<div class="mt20"><div class="badg c-red btn-block">'/);
 });
 
 test('弹窗壳随 wp_footer 全局输出且不进入 catalog 载荷', () => {