银行存取补充 user_currency_logs 流水记录

- CurrencySource 新增 BANK_DEPOSIT / BANK_WITHDRAW 两个来源枚举
- BankController deposit/withdraw 改用 UserCurrencyService::change() 记录 jjb 变动
- AiFinanceService bankExcessGold/raiseWalletTo 补充 UserCurrencyService::change() 调用
- 银行存取双轨记录：bank_logs（银行流水）+ user_currency_logs（金币流水）

app/Services/AiFinanceService.php

@@ -10,10 +10,13 @@
 
 namespace App\Services;
 
+use App\Enums\CurrencySource;
 use App\Events\MessageSent;
 use App\Jobs\SaveMessageJob;
 use App\Models\BankLog;
 use App\Models\User;
+use App\Models\UserCurrencyLog;
+use App\Services\UserCurrencyService;
 use Illuminate\Support\Facades\DB;
 
 /**
@@ -41,6 +44,7 @@ class AiFinanceService
      */
     public function __construct(
         private readonly ChatStateService $chatState,
+        private readonly UserCurrencyService $currencyService,
     ) {}
 
     /**
@@ -107,15 +111,15 @@ class AiFinanceService
             $depositAmount = $walletGold - self::AVAILABLE_GOLD_RESERVE;
 
             // 只把超过 100 万的部分转入银行，手上保留不高于 100 万的常规活动资金。
-            $lockedUser->jjb = self::AVAILABLE_GOLD_RESERVE;
-            $lockedUser->bank_jjb = $bankBefore + $depositAmount;
-            $lockedUser->save();
+            $this->currencyService->change($lockedUser, 'gold', -$depositAmount, CurrencySource::BANK_DEPOSIT, "自动存入银行 {$depositAmount} 金币");
+
+            $lockedUser->increment('bank_jjb', $depositAmount);
 
             BankLog::create([
                 'user_id' => $lockedUser->id,
                 'type' => 'deposit',
                 'amount' => $depositAmount,
-                'balance_after' => (int) $lockedUser->bank_jjb,
+                'balance_after' => (int) $lockedUser->fresh()->bank_jjb,
             ]);
 
             return array_values(array_filter(
@@ -162,15 +166,15 @@ class AiFinanceService
             }
 
             // 优先把银行金币提回手上，保证 AI 的即时可用余额尽量回到目标线。
-            $lockedUser->jjb = $walletGold + $withdrawAmount;
-            $lockedUser->bank_jjb = $bankGold - $withdrawAmount;
-            $lockedUser->save();
+            $this->currencyService->change($lockedUser, 'gold', $withdrawAmount, CurrencySource::BANK_WITHDRAW, "从银行自动取款 {$withdrawAmount} 金币");
+
+            $lockedUser->decrement('bank_jjb', $withdrawAmount);
 
             BankLog::create([
                 'user_id' => $lockedUser->id,
                 'type' => 'withdraw',
                 'amount' => $withdrawAmount,
-                'balance_after' => (int) $lockedUser->bank_jjb,
+                'balance_after' => (int) $lockedUser->fresh()->bank_jjb,
             ]);
 
             return (int) $lockedUser->jjb >= $targetWalletGold;