feat(ECR-016): UserIntelligence 用户洞察只读切片并 Closed

聚合 GET /admin/users/:id/insight（报告类型/派生标签/行为快照），admin-h5 洞察 Tab；无 migration / 无 UGC / 无真支付。

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

docs/CONTRACT_DIFF/ECR-016.yaml

@@ -0,0 +1,17 @@
+ecr: ECR-016
+capability: UserIntelligence
+bounded_context: Identity_Profile
+parent: WAVE0-FROZEN
+predecessor: ECR-015
+change:
+  type: additive
+breaking_change: false
+migration_required: false
+compatibility_notes: >
+  Additive read API GET /admin/users/{id}/insight.
+  No schema change; aggregates existing tables.
+
+apis:
+  - method: GET
+    path: /api/v1/admin/users/{id}/insight
+    change: added