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/TEST_REPORT/ECR-016.md

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+# TEST_REPORT — ECR-016 UserIntelligence
+
+Date: 2026-08-07 · Loop continuous · commit: (pending this commit)
+
+## Commands
+
+```bash
+cd apps/api && go test ./internal/integration/ -run TestUserInsight -count=1
+npm run build:admin
+python3 scripts/ess-validate.py --phase review --ecr ECR-016
+```
+
+## Results
+
+| Check | Result |
+|-------|--------|
+| TestUserInsight | PASS |
+| build:admin | PASS |
+| ess-validate review | PASS |
+
+## AC
+
+| ID | Evidence |
+|----|----------|
+| AC-F-01 | insight.reports_by_type 含 portrait |
+| AC-F-02 | tags 含 portrait 映射标签 |
+| AC-F-03 | behavior.events=[] 仍 200 |
+| AC-S-01 | 无 token → 401 |
+| AC-S-02 | RequireAdminPermission(admin.users.read) |
+| AC-P-01 | GET insight < 500ms |
+| AC-O-01 | N/A 只读 |