Schema 收口第三轮：继续对齐 payment/post-list 默认值与依赖

继续 Workstream C，对 payment 与 post-list 做高影响字段收口：

- payment.recharge：对齐 Zibll pay_balance_s 默认=true，并在 PHP schema 层补齐 recharge
  主开关下的 mode / desc / auto_to_balance / packages / product / transfer / pass-charge /
  exchange 等 dependsOn，恢复“总开关 -> 子配置”的配置展开节奏。
- payment.vip：对齐 Zibll 续费默认心智，payment_vip_renew_price_type 改为 discount，
  payment_vip_renew_discount 改为 8，payment_vip_renew_reduce 改为 20；同时补齐
  renew / upgrade 在 PHP schema 层的 dependsOn，并补上 reduce 选项。
- post_list.list：将默认卡片样式从 AKSRT 自定义的 standard 收敛到更接近 Zibll 的 thumb，
  同时补齐 card 选项，减少列表主线心智偏差。

验证：
- php -l 通过：class-aksrt-admin-schema-payment.php / class-aksrt-admin-schema-post-list.php
- node --check 通过：payment/recharge.js / payment/vip.js / post-list/list.js

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

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

@@ -4,7 +4,7 @@ export const rechargeSchema = {
   icon: 'fas fa-charging-station',
   description: '配置测试充值、手动确认和充值套餐结构。',
   defaults: {
-    payment_recharge_enabled: false,
+    payment_recharge_enabled: true,
     payment_recharge_mode: 'manual_review',
     payment_recharge_desc: '',
     payment_recharge_auto_to_balance: true,
@@ -32,7 +32,7 @@ export const rechargeSchema = {
       title: '充值开关',
       icon: 'fas fa-wallet',
       fields: [
-        { key: 'payment_recharge_enabled', label: '启用余额充值结构', type: 'switch', default: false },
+        { key: 'payment_recharge_enabled', label: '启用余额充值结构', type: 'switch', default: true },
         { key: 'payment_recharge_mode', label: '充值模式', type: 'radio', default: 'manual_review', options: [{ label: '人工确认', value: 'manual_review' }, { label: '测试网关', value: 'test_gateway' }], dependsOn: { key: 'payment_recharge_enabled', value: true } },
         { key: 'payment_recharge_desc', label: '充值说明', type: 'textarea', default: '', dependsOn: { key: 'payment_recharge_enabled', value: true } },
         { key: 'payment_recharge_auto_to_balance', label: '自动到账到余额', type: 'switch', default: true, dependsOn: { key: 'payment_recharge_enabled', value: true } },