feat(ECR-022): CrisisCare CrisisPolicy 只读并 Closed

新增 crisis_policies、admin.crisis.read、列表/试匹配 API 与 admin-h5「危机」页；禁 CrisisEvent 写/UGC/真支付。

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

apps/admin-h5/src/api/client.ts

@@ -321,6 +321,44 @@ export const adminApi = {
       system: boolean
       updated_at: string
     }>('GET', `/ai/system-prompts/${id}`),
+  crisisPolicies: () =>
+    request<{
+      items: Array<{
+        id: string
+        code: string
+        title: string
+        severity: string
+        pattern: string
+        action: string
+        helpline_text?: string
+        active: boolean
+        system: boolean
+        updated_at: string
+      }>
+    }>('GET', '/crisis/policies'),
+  crisisPolicy: (id: string) =>
+    request<{
+      id: string
+      code: string
+      title: string
+      severity: string
+      pattern: string
+      action: string
+      helpline_text?: string
+      active: boolean
+      system: boolean
+      updated_at: string
+    }>('GET', `/crisis/policies/${id}`),
+  evaluateCrisis: (text: string) =>
+    request<{
+      matches: Array<{
+        code: string
+        title: string
+        severity: string
+        action: string
+        helpline_text?: string
+      }>
+    }>('POST', '/crisis/evaluate', { text }),
   orders: () =>
     request<{
       items: Array<{