移除 MJRefresh 依赖，恢复 SwiftUI 系统下拉刷新。

同时收紧各 ViewModel 内部 isLoading 可见性，避免不必要的视图刷新。

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

suixinkan/Features/ScenicSettlement/ViewModels/ScenicSettlementViewModels.swift

@@ -179,7 +179,7 @@ enum ScenicSettlementAmountValidation: Equatable {
 final class ScenicSettlementReviewViewModel: ObservableObject {
     @Published var scenicApplications: [ScenicApplicationPendingResponse] = []
     @Published var roleApplications: [RoleApplyPendingResponse] = []
-    @Published var isLoading = false
+    private var isLoading = false
     @Published var message: String?
     @Published var loadFailedAll = false
     @Published var scenicLoadFailed = false