feat(chat): render role-bound payment guidance

src/app/chat/components/message-bubble.tsx

@@ -9,7 +9,7 @@
  *   - 用户：[占位 spacer] [Content] [Avatar]
  */
 import { useUserSelector } from "@/stores/user/user-context";
-import type { ChatAction, CommercialAction } from "@/data/schemas/chat";
+import type { ChatAction, CommercialAction, PaymentGuidance } from "@/data/schemas/chat";
 
 import { MessageAvatar } from "./message-avatar";
 import { MessageContent } from "./message-content";
@@ -30,6 +30,7 @@ export interface MessageBubbleProps {
   privateMessageHint?: string | null;
   commercialAction?: CommercialAction | null;
   chatAction?: ChatAction | null;
+  paymentGuidance?: PaymentGuidance | null;
   isUnlockingMessage?: boolean;
   onUnlockPrivateMessage?: ChatMessageAction;
   onUnlockVoiceMessage?: ChatMessageAction;
@@ -64,6 +65,7 @@ export function MessageBubble({
   privateMessageHint,
   commercialAction,
   chatAction,
+  paymentGuidance,
   isUnlockingMessage,
   onUnlockPrivateMessage,
   onUnlockVoiceMessage,
@@ -106,6 +108,7 @@ export function MessageBubble({
           privateMessageHint={privateMessageHint}
           commercialAction={commercialAction}
           chatAction={chatAction}
+          paymentGuidance={paymentGuidance}
           isUnlockingMessage={isUnlockingMessage}
           onUnlockPrivateMessage={onUnlockPrivateMessage}
           onUnlockVoiceMessage={onUnlockVoiceMessage}