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分组倍率和用户专属倍率在保存时没有校验，0 会触发计费层的 `<=0 → 1.0`
防御条款，结果订阅/余额分组按标准价扣费；完全是沉默地绕过了业务规则。

- 保存校验（admin_service）：CreateGroup / UpdateGroup / BatchSetGroupRateMultipliers /
  UpdateUser.SyncUserGroupRates 全部要求 > 0
- 计算层（billing_service）：三处 `<=0 → 1.0` 改为 `<0 → 0`；负数按 0 结算，
  避免配置异常被静默按 1x 收费
- 前端：分组倍率 / 用户专属倍率输入 min 统一到 0.001
- 删除未使用的 IsFreeSubscription 方法

测试：新增 billing_service_rate_multiplier_test.go 端到端验证；更新原有锁定
旧 `<=0 → 1.0` 行为的测试。

Billing (25 tests):
- CalculateCostUnified: nil resolver fallback, token/per_request/image modes
- GetModelPricingWithChannel: nil/partial/full channel overrides
- resolveAccountStatsCost: four-level priority chain integration tests

WebSearch (18 tests):
- PopulateWebSearchUsage: nil input, manager states, QuotaLimit nil/*int64
- ResetWebSearchUsage: nil manager error
- Manager.ResetUsage: nil Redis
- shouldEmulateWebSearch: full decision chain (8 scenarios)

Notify (36 tests):
- ParseNotifyEmails/MarshalNotifyEmails: old/new format, roundtrip
- crossedDownward: boundary values, threshold semantics
- checkQuotaDimCrossings: mixed dimensions, disabled/zero skip