✨ feat: 性能优化与余额扣费系统集成

主要更新：
- 🚀 模板详情页性能优化：添加缓存机制、图片预加载、请求中断控制
- 💰 集成余额检查与扣费功能到表单提交流程
- 🔄 添加错误重试机制，提升用户体验
- 🎨 重构动态表单字段为独立组件 (DynamicFormField)
- 🔧 修复类型错误，优化样式结构

技术细节：
- 实现5分钟缓存策略减少API调用
- 使用 AbortController 管理请求生命周期
- React.memo 优化列表项渲染性能
- 图片预缓存提升加载体验

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude <noreply@anthropic.com>

.claude/settings.local.json

@@ -1,28 +1,6 @@
 {
   "permissions": {
-    "allow": [
-      "WebFetch(domain:docs.expo.dev)",
-      "WebFetch(domain:docs.expo.dev)",
-      "WebSearch",
-      "Bash(git add:*)",
-      "Bash(git commit:*)",
-      "Bash(npx eas:*)",
-      "Bash(npx @expo/eas-cli@latest:*)",
-      "Bash(npx expo install:*)",
-      "Bash(eas --version:*)",
-      "Bash(eas build:configure:*)",
-      "Bash(bunx:*)",
-      "Bash(./gradlew:*)",
-      "Bash(java:*)",
-      "Bash(where:*)",
-      "Bash(echo:*)",
-      "Bash(set:*)",
-      "Bash(git --version:*)",
-      "Bash(export:*)",
-      "Bash(ls:*)",
-      "Bash(npx tsc --noEmit)",
-      "Bash(curl 'https://api.mixvideo.bowong.cc/api/template-generations?page=1&limit=20' )"
-    ],
+    "allow": [],
     "deny": [],
     "ask": []
   }