Migrate from iOS 17 Observation to iOS 16-compatible Combine architecture.

Lower deployment target to iOS 16, replace @Observable with ObservableObject, add navigation and UI compatibility shims, and include login smoke UI tests.

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

suixinkan/Features/Wallet/API/WalletAPI.swift

@@ -6,7 +6,7 @@
 //
 
 import Foundation
-import Observation
+import Combine
 
 /// 钱包模块服务协议，定义钱包、提现、银行卡和积分接口能力。
 @MainActor
@@ -55,10 +55,9 @@ protocol WalletServing {
 }
 
 @MainActor
-@Observable
 /// 钱包 API，封装个人钱包、提现、银行卡和积分兑换网络请求。
 final class WalletAPI {
-    @ObservationIgnored private let client: APIClient
+    private let client: APIClient
 
     /// 初始化钱包 API，并注入共享网络客户端。
     init(client: APIClient) {