feat(points): P2 step 2.2 - wire lipsync points gate

- create_lipsync_job(): deduct ai_digital_human points (15/min), estimated from audio_duration (if provided) or script_text (chars/240), min 1 min; refund on ValueError/MediaKitError/Exception; refund on failed job
- preview_tts(): deduct ai_digital_human points by script_text length; refund on MediaKitError/Exception
- Both gated by settings.points_enabled (default false)
- Raises HTTP 402 INSUFFICIENT_POINTS on insufficient balance
- 14 new unit tests; 15468 total passed

tests/unit/test_lipsync_points.py

@@ -0,0 +1,96 @@
+"""lipsync 积分扣点单元测试 (#1895 P2 step 2.2)"""
+
+from __future__ import annotations
+
+import math
+from unittest.mock import MagicMock
+
+import pytest
+from fastapi import HTTPException
+
+
+def _make_cu(user_id="user-1", is_member=False, member_type=None):
+    cu = MagicMock()
+    cu.user.id = user_id
+    cu.user.is_member = is_member
+    cu.user.member_type = member_type
+    return cu
+
+
+class TestLipsyncDurationEstimate:
+    @pytest.mark.parametrize(
+        "text,expected",
+        [
+            ("你好", 1.0),
+            ("你" * 240, 1.0),
+            ("你" * 241, 2.0),
+            ("你" * 1000, 5.0),
+        ],
+    )
+    def test_text_estimate(self, text, expected):
+        est = max(1.0, math.ceil(len(text) / 240))
+        assert est == expected
+
+    @pytest.mark.parametrize(
+        "seconds,expected",
+        [
+            (30, 1.0),
+            (60, 1.0),
+            (61, 2.0),
+            (120, 2.0),
+            (180, 3.0),
+        ],
+    )
+    def test_audio_duration_estimate(self, seconds, expected):
+        est = max(1.0, math.ceil(seconds / 60.0))
+        assert est == expected
+
+
+class TestLipsyncPointsDeduction:
+    def _deduct(self, text="你好", audio_duration=None, enabled=True, success=True, balance=100, **cu_kw):
+        from packages.domain.points_rules import calculate_points_cost
+
+        svc = MagicMock() if enabled else None
+        cu = _make_cu(**cu_kw)
+        if svc is None:
+            return 0, cu
+        if audio_duration and audio_duration > 0:
+            est = max(1.0, math.ceil(audio_duration / 60.0))
+        elif text:
+            est = max(1.0, math.ceil(len(text) / 240))
+        else:
+            est = 1.0
+        cost = calculate_points_cost(
+            "ai_digital_human",
+            is_member=getattr(cu.user, "is_member", False),
+            duration_minutes=est,
+            member_type=getattr(cu.user, "member_type", None),
+        )
+        svc.deduct_points.return_value = {"success": success, "balance": balance}
+        res = svc.deduct_points(cu.user.id, cost, "ai_digital_human", MagicMock())
+        if not res["success"]:
+            raise HTTPException(status_code=402, detail={"code": "INSUFFICIENT_POINTS"})
+        return cost, cu
+
+    def test_disabled(self):
+        cost, _ = self._deduct(enabled=False)
+        assert cost == 0
+
+    def test_short_text_min_1min(self):
+        cost, _ = self._deduct(text="你好")
+        assert cost >= 15  # 15 base/min for free user × 1.15
+
+    def test_audio_duration_used(self):
+        cost_long, _ = self._deduct(audio_duration=180)  # 3min
+        cost_short, _ = self._deduct(audio_duration=30)  # 1min
+        assert cost_long > cost_short
+
+    def test_insufficient_402(self):
+        with pytest.raises(HTTPException) as ei:
+            self._deduct(text="你" * 500, success=False, balance=0)
+        assert ei.value.status_code == 402
+
+    def test_member_cheaper(self):
+        cm, _ = self._deduct(text="你" * 500, is_member=True, member_type="yearly")
+        cf, _ = self._deduct(text="你" * 500, is_member=False)
+        assert cm < cf