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>

inc/classes/admin/schema/class-aksrt-admin-schema-payment.php

@@ -287,7 +287,7 @@ class AKSRT_Admin_Schema_Payment {
                             ['key' => 'payment_show_paycount', 'label' => '显示购买次数', 'type' => 'switch', 'default' => true],
                             ['key' => 'payment_no_logged_in', 'label' => '未登录提示', 'type' => 'switch', 'default' => true],
                             ['key' => 'payment_cookie_day', 'label' => 'Cookie有效期(天)', 'type' => 'number', 'default' => 15, 'min' => 1, 'max' => 31],
-                            ['key' => 'payment_no_logged_remind', 'label' => '未登录提醒文案', 'type' => 'textarea', 'default' => ''],
+                            ['key' => 'payment_no_logged_remind', 'label' => '未登录提醒文案', 'type' => 'textarea', 'default' => '您当前未登录！建议登陆后购买，可保存购买订单'],
                             ['key' => 'payment_wait_float_s', 'label' => '订单等待浮动', 'type' => 'switch', 'default' => true],
                             ['key' => 'payment_order_max_minutes', 'label' => '订单最大支付时间(分钟)', 'type' => 'number', 'default' => 30, 'min' => 5, 'max' => 1440],
                         ]],
@@ -365,7 +365,9 @@ class AKSRT_Admin_Schema_Payment {
                         ['key' => 'basic', 'title' => '提现设置', '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>
+<div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div>
+<div>如有其它疑问，请与客服联系</div>'],
                         ]],
                     ],
                 ],