fix(mp): 商品详情页加载超时 + 患者兑换权限

- 移除 getProduct 失败后的 listProducts 慢 fallback（拉 100 条），直接报错
- 处理 productId 为空时 loading 永不结束的卡死问题
- 添加 8s 加载超时保护，超时自动显示错误状态+重试按钮
- 新增迁移 000161：患者角色添加 health.points.manage 兑换权限

apps/miniprogram/src/pages/pkg-mall/product/index.scss

@@ -11,11 +11,26 @@
 
   &__loading, &__empty {
     @include flex-center;
+    flex-direction: column;
+    gap: $sp-md;
     padding: $sp-2xl 0;
     font-size: var(--tk-font-body);
     color: $tx3;
   }
 
+  &__retry-btn {
+    padding: 10px 28px;
+    border-radius: $r-pill;
+    background: $pri;
+    @include touch-target;
+  }
+
+  &__retry-text {
+    font-size: var(--tk-font-body-sm);
+    font-weight: 600;
+    color: $white;
+  }
+
   &__scroll {
     flex: 1;
     overflow: auto;

apps/miniprogram/src/pages/pkg-mall/product/index.tsx

@@ -1,11 +1,11 @@
-import { useState, useCallback } from 'react';
+import { useState, useCallback, useEffect, useRef } from 'react';
 import { View, Text } from '@tarojs/components';
 import Taro, { useRouter } from '@tarojs/taro';
-import { usePageData } from '@/hooks/usePageData';
 import { getProduct } from '../../../services/points';
 import type { PointsProduct } from '../../../services/points';
 import { usePointsStore } from '../../../stores/points';
 import { useElderClass } from '../../../hooks/useElderClass';
+import { usePageData } from '@/hooks/usePageData';
 import PageShell from '@/components/ui/PageShell';
 import './index.scss';
 
@@ -21,29 +21,33 @@ const TYPE_LABEL: Record<string, string> = {
   privilege: '权益',
 };
 
+const LOAD_TIMEOUT = 8000;
+
 export default function ProductDetail() {
   const modeClass = useElderClass();
   const router = useRouter();
   const productId = router.params.product_id || '';
   const account = usePointsStore((s) => s.account);
+  const refreshPoints = usePointsStore((s) => s.refresh);
   const [product, setProduct] = useState<PointsProduct | null>(null);
   const [loading, setLoading] = useState(true);
+  const [loadError, setLoadError] = useState(false);
+  const timerRef = useRef<ReturnType<typeof setTimeout>>();
 
   const fetchProduct = useCallback(async () => {
-    if (!productId) return;
+    if (!productId) {
+      setLoading(false);
+      setLoadError(true);
+      return;
+    }
     setLoading(true);
+    setLoadError(false);
     try {
       const data = await getProduct(productId);
       setProduct(data);
     } catch {
-      try {
-        const { listProducts } = await import('../../../services/points');
-        const res = await listProducts({ page: 1, page_size: 100 });
-        const found = res.data.find((p) => p.id === productId);
-        if (found) setProduct(found);
-      } catch {
-        Taro.showToast({ title: '加载失败', icon: 'none' });
-      }
+      setLoadError(true);
+      Taro.showToast({ title: '加载失败', icon: 'none' });
     } finally {
       setLoading(false);
     }
@@ -51,6 +55,23 @@ export default function ProductDetail() {
 
   usePageData(fetchProduct, { throttleMs: 30000 });
 
+  useEffect(() => {
+    refreshPoints();
+  }, [refreshPoints]);
+
+  // 加载超时保护
+  useEffect(() => {
+    if (loading) {
+      timerRef.current = setTimeout(() => {
+        setLoading(false);
+        setLoadError(true);
+      }, LOAD_TIMEOUT);
+    }
+    return () => {
+      if (timerRef.current) clearTimeout(timerRef.current);
+    };
+  }, [loading]);
+
   if (loading) {
     return (
       <PageShell className={modeClass}>
@@ -61,11 +82,14 @@ export default function ProductDetail() {
     );
   }
 
-  if (!product) {
+  if (loadError || !product) {
     return (
       <PageShell className={modeClass}>
         <View className='product-detail__empty'>
-          <Text>商品不存在</Text>
+          <Text>{!productId ? '参数错误' : '商品不存在或加载失败'}</Text>
+          <View className='product-detail__retry-btn' onClick={fetchProduct}>
+            <Text className='product-detail__retry-text'>重试</Text>
+          </View>
         </View>
       </PageShell>
     );
@@ -93,12 +117,10 @@ export default function ProductDetail() {
   return (
     <PageShell padding="none" safeBottom={false} scroll={false} className={`product-detail ${modeClass}`}>
       <View className='product-detail__scroll'>
-        {/* 商品大图 */}
         <View className={`product-detail__hero ${TYPE_BG[type] || ''}`}>
           <Text className='product-detail__hero-type'>{TYPE_LABEL[type]}</Text>
         </View>
 
-        {/* 商品信息卡 */}
         <View className='product-detail__info-card'>
           <View className='product-detail__tags'>
             <Text className='product-detail__type-badge'>{TYPE_LABEL[type]}</Text>
@@ -113,7 +135,6 @@ export default function ProductDetail() {
           )}
         </View>
 
-        {/* 库存/余额卡 */}
         <View className='product-detail__status-card'>
           <View className='product-detail__status-row'>
             <Text className='product-detail__status-label'>库存状态</Text>
@@ -133,7 +154,6 @@ export default function ProductDetail() {
           </View>
         </View>
 
-        {/* 温馨提示 */}
         <View className='product-detail__notice'>
           <Text className='product-detail__notice-text'>
             {isService
@@ -143,7 +163,6 @@ export default function ProductDetail() {
         </View>
       </View>
 
-      {/* 底部操作栏 */}
       <View className='product-detail__footer'>
         <View className='product-detail__footer-left'>
           <Text className='product-detail__footer-hint'>需要</Text>