产品讨论: PR #885 — 点数耗尽与消费 chip 直达「用量和计费」

PR #885 新增付费入口闭环功能（点数耗尽提示与消费 chip 直达用量和计费页），属于产品/UI 层面的新增入口，需要产品白名单成员确认推进方向后再合并。

**关联 PR**: https://github.com/makecindy/cindy/pull/885
**作者**: cnxpfcv-oss
**触发原因**: feat 类型 + 命中 UI 路径

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关联 PR:#885(作者 @cnxpfcv-oss);本 issue 由 review-pr 流程自动创建,用于先讨论该 PR 涉及的产品 / UI 变更,聊清楚后 PR 会恢复审查。

Start by reviewing PR #885, which contains the implementation for the points-exhausted prompt and the consumption chip linking to the usage and billing page. The issue is awaiting product-whitelist members to decide whether this UI flow should proceed; done means agreeing on the product direction before the pull request resumes review.

Written by the indexing model from the issue text.