feat(notify): add balance low & account quota notification system
- User balance low notification: email alert when balance drops below configurable threshold (user email + verified extra emails) - Account quota notification: broadcast email to admin-configured recipients when daily/weekly/total quota usage exceeds alert threshold - Admin settings: global enable/disable, default threshold, quota notification email list (Email Settings tab) - User profile: enable/disable, custom threshold, add/remove extra notification emails with verification code flow - Account quota: per-dimension alert toggle and threshold in quota control card - Trigger logic: first-crossing only (old >= threshold && new < threshold for balance; old < threshold && new >= threshold for quota), naturally prevents duplicate notifications without Redis dedup
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