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/api/internal/service/admin/rbac.go

@@ -28,6 +28,7 @@ const (
 	PermAskFeedbackWrite     = "admin.ask.feedback.write"
 	PermContentSafetyRead    = "admin.content_safety.read"
 	PermAIConfigRead         = "admin.ai_config.read"
+	PermCrisisRead           = "admin.crisis.read"
 )
 
 var knownPermissions = map[string]struct{}{
@@ -37,7 +38,7 @@ var knownPermissions = map[string]struct{}{
 	PermUsersStatusWrite: {}, PermMembershipPlansRead: {}, PermMembershipPlansWrite: {},
 	PermMembershipCodesRead: {}, PermMembershipCodesWrite: {},
 	PermAskRead: {}, PermAskFeedbackWrite: {}, PermContentSafetyRead: {},
-	PermAIConfigRead: {},
+	PermAIConfigRead: {}, PermCrisisRead: {},
 }
 
 var (