feat: require compliance confirmation for paid features

Gate payment, redemption, subscription, and invitation reward flows behind an audited compliance acknowledgement.

controller/subscription_payment_stripe.go

@@ -21,6 +21,10 @@ type SubscriptionStripePayRequest struct {
 }
 
 func SubscriptionRequestStripePay(c *gin.Context) {
+	if !requirePaymentCompliance(c) {
+		return
+	}
+
 	var req SubscriptionStripePayRequest
 	if err := c.ShouldBindJSON(&req); err != nil || req.PlanId <= 0 {
 		common.ApiErrorMsg(c, "参数错误")