字段全量比对最终收口：补齐 confirmed diff 默认值

继续 Workstream C，按“只扫 confirmed diff，不做泛化式补改”的原则收最后一批可实证差异：

- post_list.comment：comment_text 从“说点什么吧...”对齐到 Zibll 的“欢迎您留下宝贵的见解！”。
- payment.order：payment_no_logged_remind 补齐为 Zibll 默认未登录提醒文案。
- payment.withdrawal：pay_rebate_withdraw_text_details 补齐为 Zibll 默认提现协议文案。
- PHP schema 同步补齐 payment_no_logged_remind / pay_rebate_withdraw_text_details 默认值，保持前后端契约一致。

验证：
- php -l 通过：class-aksrt-admin-schema-payment.php
- node --check 通过：post-list/comment.js、payment/order.js、payment/withdrawal.js

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

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

@@ -6,7 +6,7 @@ export const withdrawalSchema = {
   defaults: {
     pay_rebate_withdraw_lowest_money: 50,
     withdraw_service_charge: 0,
-    pay_rebate_withdraw_text_details: '',
+    pay_rebate_withdraw_text_details: '<div>可提现金额达到50元后即可发起提现</div>\n<div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div>\n<div>如有其它疑问，请与客服联系</div>',
   },
   groups: [
     {
@@ -16,7 +16,7 @@ export const withdrawalSchema = {
       fields: [
         { key: 'pay_rebate_withdraw_lowest_money', label: '最低提现金额', type: 'number', default: 50, min: 1, max: 99999 },
         { key: 'withdraw_service_charge', label: '提现手续费(%)', type: 'number', default: 0, min: 0, max: 50 },
-        { key: 'pay_rebate_withdraw_text_details', label: '提现说明', type: 'textarea', default: '' },
+        { key: 'pay_rebate_withdraw_text_details', label: '提现说明', type: 'textarea', default: '<div>可提现金额达到50元后即可发起提现</div>\n<div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div>\n<div>如有其它疑问，请与客服联系</div>' },
       ],
     },
   ],