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>

inc/classes/admin/schema/class-aksrt-admin-schema-post-list.php

@@ -21,13 +21,14 @@ class AKSRT_Admin_Schema_Post_List {
                     'option_key' => 'aksrt_settings',
                     'groups'     => [
                         ['key' => 'card', 'title' => '卡片样式', 'fields' => [
-                            ['key' => 'post_card_style', 'label' => '卡片样式', 'type' => 'select', 'default' => 'standard', 'options' => [
-                                ['label' => '标准卡', 'value' => 'standard'],
+                            ['key' => 'post_card_style', 'label' => '卡片样式', 'type' => 'select', 'default' => 'thumb', 'options' => [
+                                ['label' => '标准图文', 'value' => 'thumb'],
                                 ['label' => '紧凑卡', 'value' => 'compact'],
                                 ['label' => '大图卡', 'value' => 'large_thumb'],
                                 ['label' => '多图卡', 'value' => 'multi_thumb'],
                                 ['label' => '纯文字', 'value' => 'text'],
                                 ['label' => '有图则图文', 'value' => 'thumb_if_has'],
+                                ['label' => '卡片模式', 'value' => 'card'],
                             ]],
                             ['key' => 'post_excerpt_length', 'label' => '摘要长度', 'type' => 'number', 'default' => 120, 'min' => 20, 'max' => 500],
                         ]],