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/vip.js

@@ -17,9 +17,9 @@ export const vipSchema = {
     payment_vip_pass_charge_desc: '',
     payment_vip_renew: true,
     payment_vip_renew_desc: '',
-    payment_vip_renew_price_type: 'same',
-    payment_vip_renew_discount: 100,
-    payment_vip_renew_reduce: 0,
+    payment_vip_renew_price_type: 'discount',
+    payment_vip_renew_discount: 8,
+    payment_vip_renew_reduce: 20,
     payment_vip_upgrade: true,
     payment_vip_upgrade_desc: '',
     payment_vip_upgrade_product: '',
@@ -70,9 +70,9 @@ export const vipSchema = {
       fields: [
         { key: 'payment_vip_renew', label: '允许续费', type: 'switch', default: true, dependsOn: { key: 'payment_vip_enabled', value: true } },
         { key: 'payment_vip_renew_desc', label: '续费说明', type: 'textarea', default: '', dependsOn: { key: 'payment_vip_enabled', value: true } },
-        { key: 'payment_vip_renew_price_type', label: '续费价格类型', type: 'radio', default: 'same', options: [{ label: '相同价格', value: 'same' }, { label: '折扣价格', value: 'discount' }], dependsOn: { key: 'payment_vip_enabled', value: true } },
-        { key: 'payment_vip_renew_discount', label: '续费折扣(%)', type: 'number', default: 100, min: 1, max: 100, dependsOn: { key: 'payment_vip_enabled', value: true } },
-        { key: 'payment_vip_renew_reduce', label: '续费减免金额', type: 'number', default: 0, min: 0, max: 9999, dependsOn: { key: 'payment_vip_enabled', value: true } },
+        { key: 'payment_vip_renew_price_type', label: '续费价格类型', type: 'radio', default: 'discount', options: [{ label: '相同价格', value: 'same' }, { label: '折扣价格', value: 'discount' }, { label: '优惠立减', value: 'reduce' }], dependsOn: { key: 'payment_vip_enabled', value: true } },
+        { key: 'payment_vip_renew_discount', label: '续费折扣(%)', type: 'number', default: 8, min: 1, max: 100, dependsOn: { key: 'payment_vip_renew_price_type', value: 'discount' } },
+        { key: 'payment_vip_renew_reduce', label: '续费减免金额', type: 'number', default: 20, min: 0, max: 9999, dependsOn: { key: 'payment_vip_renew_price_type', value: 'reduce' } },
       ],
     },
     {