fix(payment): wire balance wallet end-to-end when pay_balance_s is on

Opening 余额功能 alone now enables cash-wallet pay (unless 余额支付 is explicitly off). Drop points-as-balance fallback, stop fake method injection, expose real wallet in cashiers, and honor auto_to_balance on recharge fulfill.

src/AKSRT/Credits/BalanceServiceCharge.php

@@ -81,6 +81,13 @@ trait BalanceServiceCharge {
 		if (!class_exists('AKSRT\\Credits\\Balance')) {
 			return;
 		}
+		// Honor pay_auto_to_balance (default on). When off, leave order paid without wallet credit.
+		if (class_exists('\AKSRT\Settings\Settings') && method_exists('\AKSRT\Settings\Settings', 'get_payment_recharge_settings')) {
+			$recharge_cfg = \AKSRT\Settings\Settings::get_payment_recharge_settings();
+			if (isset($recharge_cfg['auto_to_balance']) && empty($recharge_cfg['auto_to_balance'])) {
+				return;
+			}
+		}
 		$note = json_decode((string) ($order['note'] ?? ''), true);
 		if (!is_array($note)) {
 			$note = [];