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/Forum/TopicPay.php

@@ -189,16 +189,14 @@ class TopicPay {
         }
         $has_paid = $this->user_has_paid($uid, $topic_id);
 
-        $balance = 0;
-        if ($uid > 0 && class_exists('\AKSRT\Credits\Credits')) {
-            $balance = (int) \AKSRT\Credits\Credits::balance($uid);
+        $wallet_balance = 0.0;
+        if ($uid > 0 && class_exists('\AKSRT\Credits\Balance') && \AKSRT\Credits\Balance::enabled()) {
+            $wallet_balance = (float) \AKSRT\Credits\Balance::balance($uid);
         }
 
         $methods = function_exists('aksrt_list_cash_payment_methods')
             ? aksrt_list_cash_payment_methods($uid > 0)
-            : ($uid > 0
-                ? [['id' => 'balance', 'name' => __('站内余额', 'aksrt')]]
-                : [['id' => 'alipay', 'name' => __('支付宝', 'aksrt')]]);
+            : [];
 
         $coupon_allowed = $this->is_coupon_allowed($topic_id);
         $coupon_error = '';
@@ -259,8 +257,9 @@ class TopicPay {
             'need_vip' => false,
             'need_purchase' => !$has_paid && !$is_free,
             'logged_in' => $uid > 0,
-            'balance' => $balance,
-            'balance_enough' => true,
+            'balance' => $wallet_balance,
+            'wallet_balance' => $wallet_balance,
+            'balance_enough' => $is_free || ($wallet_balance + 0.0001 >= (float) $payable),
             'payment_methods' => $methods,
             'login_url' => wp_login_url(get_permalink($post)),
             'vip_url' => home_url('/'),