feat: 角色协议(勾选+阅读秒数+卡点)与冻结说明按身份返回

新增协议表/签署留痕、后台与小程序 API；去掉手写依赖；支持抢单/注册/提现等卡点配置。冻结问号文案按角色字典下发。

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

jituan/migrations/0019_role_agreement_gates.py

@@ -0,0 +1,22 @@
+# 角色协议：阅读秒数 + 卡点配置（去掉手写依赖，字段兼容保留）
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('jituan', '0018_role_agreement'),
+    ]
+
+    operations = [
+        migrations.AddField(
+            model_name='clubroleagreement',
+            name='read_seconds',
+            field=models.PositiveIntegerField(default=2, verbose_name='阅读秒数'),
+        ),
+        migrations.AddField(
+            model_name='clubroleagreement',
+            name='gate_config',
+            field=models.JSONField(blank=True, default=dict, verbose_name='签署卡点配置'),
+        ),
+    ]