fix(wallet): enforce consistent withdrawal accounting

backend/api/internal/seed/mock.go

@@ -382,7 +382,7 @@ func MockData(database *gorm.DB) error {
 			CashNo: "MOCK-CASH-001", RequestNo: "MOCK-REQ-CASH-001", Amount: 5000,
 			Channel: "bank", TradeNo: "MOCK-CASH-TRADE-001", Remark: "模拟提现",
 			ReviewerIdentity: gasAccount.Identity, ReviewerName: gasAccount.DisplayName,
-			ReviewedAt: &now, ReviewReason: "模拟审核通过", CompletedAt: &now,
+			ReviewedAt: &now, ReviewReason: "模拟审核通过", CompletedAt: &now, BalanceReserved: true,
 		}
 		if err := put(tx, &applyCash); err != nil {
 			return err