feat: 添加核心财务模型、账户存储库和存钱罐服务

internal/repository/account_repository.go

@@ -146,10 +146,12 @@ func (r *AccountRepository) GetTotalBalance(userID uint) (assets float64, liabil
 	}
 
 	for _, account := range accounts {
-		if account.Balance >= 0 {
-			assets += account.Balance
+		// Calculate true total for the account
+		accountTotal := account.Balance + account.FrozenBalance
+		if accountTotal >= 0 {
+			assets += accountTotal
 		} else {
-			liabilities += -account.Balance // Convert to positive for liabilities
+			liabilities += -accountTotal // Convert to positive for liabilities
 		}
 	}