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

crates/erp-server/migration/src/lib.rs

@@ -166,6 +166,8 @@ mod m20260521_000161_consultation_media_id_and_suggestion_references;
 mod m20260521_000162_consultation_session_rating_feedback;
 mod m20260521_000163_reorganize_menus_by_business_flow;
 mod m20260521_000164_reorganize_menus_scheme_b;
+mod m20260522_000160_article_add_is_public;
+mod m20260522_000161_patient_points_manage_perm;
 
 pub struct Migrator;
 
@@ -339,6 +341,8 @@ impl MigratorTrait for Migrator {
             Box::new(m20260521_000162_consultation_session_rating_feedback::Migration),
             Box::new(m20260521_000163_reorganize_menus_by_business_flow::Migration),
             Box::new(m20260521_000164_reorganize_menus_scheme_b::Migration),
+            Box::new(m20260522_000160_article_add_is_public::Migration),
+            Box::new(m20260522_000161_patient_points_manage_perm::Migration),
         ]
     }
 }