feat: 用户徽章与等级体系，积分经济管理重构

- 新增徽章系统：badge 服务与 handler、管理端配置页、BadgeChip/LevelBadge 展示组件
- 新增等级模型：model/level 及前端 levels 元数据
- 管理端经济模块拆分为 points/badges/levels 独立页面，EconomySettings 迁入设置
- 积分、签到、评论等服务适配等级与徽章逻辑

frontend/components/ChatUserCard.tsx

@@ -7,6 +7,8 @@ import { Calendar, Crown, MessageSquare, VolumeX } from "lucide-react";
 import Modal from "@/components/Modal";
 import Avatar from "@/components/Avatar";
 import RoleBadge from "@/components/RoleBadge";
+import LevelBadge from "@/components/LevelBadge";
+import BadgeChip from "@/components/BadgeChip";
 import ImageLightbox from "@/components/markdown/ImageLightbox";
 import { useAllowMessages } from "@/components/MessagesPolicyProvider";
 import { apiGetUserProfile, apiOpenDirectChat, type UserProfile, type User } from "@/lib/api";
@@ -105,6 +107,10 @@ export default function ChatUserCard({
               >
                 {name}
               </p>
+              <LevelBadge level={user.level} />
+              {(user.badges ?? []).slice(0, 2).map((ub) => (
+                <BadgeChip key={ub.id} badge={ub.badge} />
+              ))}
               {user.role && user.role !== "user" && (
                 <RoleBadge role={user.role} boardIds={user.board_ids} />
               )}