feat(billing): guide parents to recharge the child account

tests/unit/works-billing-routes.test.ts

@@ -101,6 +101,12 @@ describe('permanent points Main contract', () => {
     const result = await call('/me');
     expect(result.status).toBe(409); expect(result.body.data).toBeUndefined();
   });
+  it('does not translate an unavailable current-account recharge into a parent-identity requirement', async () => {
+    reply({ detail: '当前账号暂不能充值词元点数' }, 403);
+    const result = await call('/recharge/orders', 'POST', { productId: 'p', requestId: 'r' });
+    expect(result.body).toMatchObject({ commandOutcome: 'definitive_failure', error: '当前账号暂不能充值，请在社区账户页查看原因或联系支持。' });
+    expect(result.body.error).not.toContain('联系家长');
+  });
   it.each(['/plans', '/reset-cards', '/subscriptions', '/reset-card-orders'])('retires %s without contacting payment services', async (path) => {
     expect((await call(path)).status).toBe(410); expect(net).not.toHaveBeenCalled();
   });