从 iOS 17 Observation 迁移至 iOS 16 兼容的 Combine 架构

将最低部署版本降至 iOS 16，以 ObservableObject 替换 @Observable，新增导航与 UI 兼容层，并补充登录冒烟 UI 测试。

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

suixinkan/Features/Wallet/ViewModels/WalletViewModels.swift

@@ -6,7 +6,7 @@
 //
 
 import Foundation
-import Observation
+import Combine
 
 @MainActor
 /// 钱包实名认证服务协议，抽象实名认证状态读取能力以便测试替换。
@@ -34,25 +34,24 @@ enum WalletLedgerTab: String, CaseIterable, Identifiable {
 }
 
 @MainActor
-@Observable
 /// 钱包首页 ViewModel，管理钱包汇总、收益明细、提现记录和提现资格流。
-final class WalletViewModel {
-    var summary: WalletSummaryResponse?
-    var pointsOverview: PointOverviewResponse?
-    var selectedTab: WalletLedgerTab = .earnings
-    var selectedFilter: WalletDateFilter = .last30
-    var earningsGroups: [WalletEarningDetailGroup] = []
-    var withdrawRecords: [WalletWithdrawRecord] = []
-    var isLoadingSummary = false
-    var isLoadingList = false
-    var isCheckingWithdraw = false
-    var errorMessage: String?
+final class WalletViewModel: ObservableObject {
+    @Published var summary: WalletSummaryResponse?
+    @Published var pointsOverview: PointOverviewResponse?
+    @Published var selectedTab: WalletLedgerTab = .earnings
+    @Published var selectedFilter: WalletDateFilter = .last30
+    @Published var earningsGroups: [WalletEarningDetailGroup] = []
+    @Published var withdrawRecords: [WalletWithdrawRecord] = []
+    @Published var isLoadingSummary = false
+    @Published var isLoadingList = false
+    @Published var isCheckingWithdraw = false
+    @Published var errorMessage: String?
 
     private let pageSize = 20
-    private var earningsPage = 1
-    private var earningsTotal = 0
-    private var withdrawPage = 1
-    private var withdrawTotal = 0
+    @Published private var earningsPage = 1
+    @Published private var earningsTotal = 0
+    @Published private var withdrawPage = 1
+    @Published private var withdrawTotal = 0
 
     /// 钱包可提现金额展示文本。
     var withdrawableText: String {
@@ -225,16 +224,15 @@ final class WalletViewModel {
 }
 
 @MainActor
-@Observable
 /// 提现申请 ViewModel，管理提现信息、金额校验、短信验证码和提交。
-final class WithdrawApplyViewModel {
-    var info: WithdrawInfoResponse?
-    var amountText = ""
-    var smsCode = ""
-    var isLoading = false
-    var isSubmitting = false
-    var smsCountdown = 0
-    var errorMessage: String?
+final class WithdrawApplyViewModel: ObservableObject {
+    @Published var info: WithdrawInfoResponse?
+    @Published var amountText = ""
+    @Published var smsCode = ""
+    @Published var isLoading = false
+    @Published var isSubmitting = false
+    @Published var smsCountdown = 0
+    @Published var errorMessage: String?
 
     /// 加载提现申请所需信息。
     func load(api: WalletServing) async {
@@ -294,28 +292,27 @@ final class WithdrawApplyViewModel {
 }
 
 @MainActor
-@Observable
 /// 银行卡设置 ViewModel，管理银行卡表单、图片上传、短信验证码和提交。
-final class WithdrawalSettingsViewModel {
-    var bankCard: WalletBankCardInfo?
-    var banks: [String] = []
-    var areas: [AreaNode] = []
-    var realName = ""
-    var cardNumber = ""
-    var bankName = ""
-    var branchName = ""
-    var provinceCode = ""
-    var cityCode = ""
-    var smsCode = ""
-    var frontImageData: Data?
-    var backImageData: Data?
-    var frontImageURL = ""
-    var backImageURL = ""
-    var uploadProgress = 0
-    var isLoading = false
-    var isSubmitting = false
-    var smsCountdown = 0
-    var errorMessage: String?
+final class WithdrawalSettingsViewModel: ObservableObject {
+    @Published var bankCard: WalletBankCardInfo?
+    @Published var banks: [String] = []
+    @Published var areas: [AreaNode] = []
+    @Published var realName = ""
+    @Published var cardNumber = ""
+    @Published var bankName = ""
+    @Published var branchName = ""
+    @Published var provinceCode = ""
+    @Published var cityCode = ""
+    @Published var smsCode = ""
+    @Published var frontImageData: Data?
+    @Published var backImageData: Data?
+    @Published var frontImageURL = ""
+    @Published var backImageURL = ""
+    @Published var uploadProgress = 0
+    @Published var isLoading = false
+    @Published var isSubmitting = false
+    @Published var smsCountdown = 0
+    @Published var errorMessage: String?
 
     /// 加载银行卡设置需要的银行、地区和已提交资料。
     func load(api: WalletServing) async {
@@ -440,19 +437,18 @@ final class WithdrawalSettingsViewModel {
 }
 
 @MainActor
-@Observable
 /// 积分兑换 ViewModel，管理积分概览、兑换记录、兑换金额校验和提交。
-final class PointsRedemptionViewModel {
-    var overview = PointOverviewResponse()
-    var records: [PointWithdrawItem] = []
-    var pointsText = ""
-    var isLoading = false
-    var isSubmitting = false
-    var errorMessage: String?
+final class PointsRedemptionViewModel: ObservableObject {
+    @Published var overview = PointOverviewResponse()
+    @Published var records: [PointWithdrawItem] = []
+    @Published var pointsText = ""
+    @Published var isLoading = false
+    @Published var isSubmitting = false
+    @Published var errorMessage: String?
 
     private let pageSize = 20
-    private var page = 1
-    private var total = 0
+    @Published private var page = 1
+    @Published private var total = 0
 
     /// 是否还能继续加载兑换记录。
     var canLoadMore: Bool {