fix(mini-user): 微信小程序补 Intl 兜底并去掉 toLocaleString

Co-authored-by: Cursor <cursoragent@cursor.com>

apps/mini-user/src/lib/money.ts

@@ -0,0 +1,9 @@
+/** 金额展示（不依赖 Intl / toLocaleString，兼容微信小程序） */
+export function formatMoney(amount: number | string): string {
+  const n = typeof amount === 'number' ? amount : Number(amount);
+  if (!Number.isFinite(n)) return '0.00';
+  const fixed = n.toFixed(2);
+  const [intPart, dec] = fixed.split('.');
+  const withComma = intPart.replace(/\B(?=(\d{3})+(?!\d))/g, ',');
+  return `${withComma}.${dec}`;
+}