fix: simplify balance billing and govern operation logs

src/apps/client/ClientHome.tsx

@@ -50,7 +50,7 @@ export function ClientHome() {
   }, []);
 
   const account = dashboard?.accounts[0];
-  const availableBalance = ((account?.balanceCents ?? 0) + (account?.creditCents ?? 0)) / 100;
+  const availableBalance = (account?.balanceCents ?? 0) / 100;
   const todaySpend = (dashboard?.today.spendCents ?? 0) / 100;
   const todayRefund = Math.abs((dashboard?.transactions._sum.amountCents ?? 0) < 0 ? 0 : dashboard?.transactions._sum.amountCents ?? 0) / 100;
   const balanceBaseline = Math.max(availableBalance + todaySpend - todayRefund, availableBalance, 1);
@@ -145,7 +145,7 @@ export function ClientHome() {
             </button>
             <button className="quick-action" onClick={() => navigate('/client/billing')} type="button">
               <WalletCards size={20} />
-              <span>账户充值</span>
+              <span>账户余额</span>
               <small>查看余额与流水</small>
             </button>
           </div>