feat: complete feature gaps across all modules

Server:
- Add settings-cache with 60s TTL for feature toggle checks
- Enforce maintenance_mode on login, enable_binding on device bind

Admin console:
- Remove dead "发送通知" button from user detail
- Firmware check calls real API and compares versions

Miniprogram:
- Wear-check: dynamic battery/connected from BLE state
- Login: hide non-functional phone auth button
- Treating: show actual selected regions instead of hardcoded "全脸"
- Index: display subscription status with tap to manage
- Auto-scan: show "待检测" instead of "--" for PD data
- Agreements: tap shows "内容建设中" modal

miniprogram/pages/login/login.js

@@ -65,6 +65,10 @@ Page({
     })
   },
 
+  onAgreement: function () {
+    wx.showModal({ title: '提示', content: '用户协议和隐私政策内容建设中', showCancel: false })
+  },
+
   onGetPhoneNumber: function (e) {
     var self = this
     if (!e.detail || !e.detail.code) {