新增群积分通货膨胀策略

1. 新增群聊插件积分真实消耗统计，区分成员持有积分与 SYSTEM 沉淀积分。

2. 为 plugin_points_cost 注解接入按群动态倍率，积分消耗偏低时自动提高实际扣费。

3. 优化积分不足与扣费成功提示，展示基础价、实际价与当前通胀倍率。

db/points_db.py

@@ -610,6 +610,90 @@ class PointsDBOperator(BaseDBOperator):
             self.LOG.error(f"获取群组积分统计信息失败: {e}")
             return stats
 
+    def get_group_plugin_consumption_stats(self, group_id: str, lookback_hours: int = 72) -> Dict[str, Any]:
+        """
+        获取群聊插件积分消耗统计信息。
+
+        这里专门为“积分通货膨胀”策略提供数据支撑，只统计真正会销毁积分总量的插件扣费：
+        1. 用户之间转账、打劫、保释这类行为，本质上只是积分在用户之间流转，不算真实消耗；
+        2. `plugin` 来源的 `spend` 流水，才代表群积分池被真正消耗掉了；
+        3. 因此通胀策略应基于“当前群积分存量”与“最近一段时间插件真实消耗量”的关系来判断。
+
+        Args:
+            group_id: 群ID
+            lookback_hours: 统计最近多少小时的插件消耗
+
+        Returns:
+            包含群积分存量、系统沉淀积分、最近插件消耗量等字段的统计字典
+        """
+        normalized_hours = max(1, int(lookback_hours or 72))
+        stats = {
+            "group_id": group_id,
+            "lookback_hours": normalized_hours,
+            "total_users": 0,
+            "active_points_total": 0,
+            "system_points_total": 0,
+            "plugin_spend_points": 0,
+            "plugin_spend_count": 0,
+            "plugin_spend_ratio": 0.0,
+        }
+
+        if not group_id:
+            return stats
+
+        try:
+            # 用户积分存量统计中要把 SYSTEM 单独拆出来：
+            # SYSTEM 账户通常用于承接抽水、保释金等沉淀积分，
+            # 这些积分已经不在普通成员手里流通，所以需要单独记录，避免干扰真实“群成员持有积分”。
+            points_result = self.execute_query(
+                """
+                SELECT
+                    SUM(CASE WHEN user_id <> 'SYSTEM' THEN 1 ELSE 0 END) AS total_users,
+                    SUM(CASE WHEN user_id <> 'SYSTEM' THEN total_points ELSE 0 END) AS active_points_total,
+                    SUM(CASE WHEN user_id = 'SYSTEM' THEN total_points ELSE 0 END) AS system_points_total
+                FROM t_user_points
+                WHERE group_id = %s
+                """,
+                (group_id,),
+                fetch_one=True,
+            ) or {}
+
+            # 最近插件消耗采用时间窗口统计。
+            # 只看 plugin 来源的 spend，能更准确反映“带注解功能”对积分池的真实消耗效率。
+            time_boundary = datetime.now() - timedelta(hours=normalized_hours)
+            spend_result = self.execute_query(
+                """
+                SELECT
+                    SUM(CASE WHEN transaction_type = 'spend' AND source = %s THEN ABS(points) ELSE 0 END)
+                        AS plugin_spend_points,
+                    SUM(CASE WHEN transaction_type = 'spend' AND source = %s THEN 1 ELSE 0 END)
+                        AS plugin_spend_count
+                FROM t_point_transactions
+                WHERE group_id = %s
+                  AND created_at >= %s
+                """,
+                (PointSource.PLUGIN.value, PointSource.PLUGIN.value, group_id, time_boundary),
+                fetch_one=True,
+            ) or {}
+
+            stats["total_users"] = int(points_result.get("total_users") or 0)
+            stats["active_points_total"] = int(points_result.get("active_points_total") or 0)
+            stats["system_points_total"] = int(points_result.get("system_points_total") or 0)
+            stats["plugin_spend_points"] = int(spend_result.get("plugin_spend_points") or 0)
+            stats["plugin_spend_count"] = int(spend_result.get("plugin_spend_count") or 0)
+
+            active_points_total = stats["active_points_total"]
+            if active_points_total > 0:
+                stats["plugin_spend_ratio"] = round(
+                    stats["plugin_spend_points"] / active_points_total,
+                    6,
+                )
+
+            return stats
+        except Exception as e:
+            self.LOG.error(f"获取群聊插件积分消耗统计失败: {e}")
+            return stats
+
     def imprison_user(self, user_id: str, group_id: str, hours: int = 24, reason: str = None) -> bool:
         """关押用户
         Args: