fix(core): 消除乐观锁 version.unwrap() 潜在 panic

20 处 ActiveValue::unwrap() + 1 乐观锁递增改为 take().unwrap_or(0) + 1，
避免数据库记录缺少 version 字段时 panic。覆盖 erp-auth/erp-config/
erp-workflow/erp-health/erp-ai/erp-server 7 个 crate。
DTO 层 Option<i32> 字段保持原有 unwrap_or(0) 不变。

crates/erp-ai/src/handler/rule_handler.rs

@@ -143,7 +143,7 @@ where
     }
     active.updated_at = Set(chrono::Utc::now());
     active.updated_by = Set(Some(ctx.user_id));
-    active.version_lock = Set(active.version_lock.unwrap() + 1);
+    active.version_lock = Set(active.version_lock.take().unwrap_or(0) + 1);
 
     let result = active.update(&state.db).await?;
     Ok(Json(ApiResponse::ok(result)))
@@ -179,7 +179,7 @@ where
     active.deleted_at = Set(Some(chrono::Utc::now()));
     active.updated_at = Set(chrono::Utc::now());
     active.updated_by = Set(Some(ctx.user_id));
-    active.version_lock = Set(active.version_lock.unwrap() + 1);
+    active.version_lock = Set(active.version_lock.take().unwrap_or(0) + 1);
     active.update(&state.db).await?;
 
     Ok(Json(ApiResponse::ok(serde_json::json!({"deleted": true}))))