feat: 一键部署——配置内置默认值，去掉示例复制与环境变量

目标：git clone 后 docker compose up -d 直接可用，无需任何手工准备。

变更：
- config.example/ → config/，config.example.yaml → config.yaml
  不再需要 cp -r 与逐份修改
- 删除 .env / .env.example，值全部内置到 docker-compose.yml
  （GoFrame 不展开配置文件中的 ${VAR}，环境变量方案在 Go 侧不可用）
- 配置文件里的 ${VAR} 全部替换为字面默认值
- schema/04-users.sh 与 05-reset-passwords.sh 改为脚本内字面口令，
  不再读取环境变量
- 新增 schema/13-seed-flow-package.sql 占位文件，说明套餐表为空的原因与补齐方式
- .gitignore 不再排除 config/ 与 .env（已无 .env）
- README 改为「一键启动」+「上线前必改」两张表

已验证：docker compose config 通过；compose 口令、各配置文件 DSN、
初始化脚本三处口令哈希一致；库名与 schema 中一致。

config/nginx/iotlcm.conf

@@ -0,0 +1,141 @@
+# ============================================================
+# IotLCM 对外入口 nginx 配置示例
+#
+# 作用：把多个服务按路径分流到统一域名下。
+# 若宿主机已有 nginx 或面板，可不启动本容器，
+# 把下面的 location 段落并入宿主机配置即可。
+#
+# 把 your-domain.example.com 替换为你的实际域名。
+# ============================================================
+
+upstream iotlcm_admin_api {
+    server admin-svr:8008;
+}
+
+upstream iotlcm_admin_ui {
+    server admin-ui:80;
+}
+
+upstream iotlcm_openapi_api {
+    server openapi:8000;
+}
+
+upstream iotlcm_docs {
+    server docs:80;
+}
+
+upstream iotlcm_app_web {
+    server app-web:80;
+}
+
+upstream iotlcm_app_server {
+    server app-server:8010;
+}
+
+# ---------- OpenAPI 对外域名 ----------
+server {
+    listen 80;
+    server_name api.your-domain.example.com;
+
+    client_max_body_size 200m;
+
+    location ^~ /openapi/v3/ {
+        proxy_pass http://iotlcm_openapi_api;
+        proxy_http_version 1.1;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+        proxy_read_timeout 120s;
+        proxy_send_timeout 120s;
+    }
+
+    # 运营商能力代理（白名单转发 / 共享 Token）
+    location ^~ /route/open/ {
+        proxy_pass http://iotlcm_openapi_api;
+        proxy_http_version 1.1;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+        proxy_read_timeout 120s;
+        proxy_send_timeout 120s;
+    }
+
+    location / {
+        proxy_pass http://iotlcm_openapi_api;
+        proxy_http_version 1.1;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+    }
+}
+
+# ---------- 管理端 ----------
+server {
+    listen 80;
+    server_name admin.your-domain.example.com;
+
+    client_max_body_size 200m;
+
+    location / {
+        proxy_pass http://iotlcm_admin_ui;
+        proxy_http_version 1.1;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+    }
+
+    # 文档站（子路径 /docs/）
+    location = /docs {
+        return 301 /docs/;
+    }
+
+    location /docs/ {
+        proxy_pass http://iotlcm_docs;
+        proxy_http_version 1.1;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+    }
+}
+
+# ---------- 小程序 / H5 ----------
+server {
+    listen 80;
+    server_name app.your-domain.example.com;
+
+    client_max_body_size 200m;
+
+    location ^~ /app/api/v1/ {
+        proxy_pass http://iotlcm_app_server/api/v1/;
+        proxy_http_version 1.1;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+        proxy_read_timeout 120s;
+        proxy_send_timeout 120s;
+    }
+
+    location ^~ /app/ {
+        proxy_pass http://iotlcm_app_web;
+        proxy_http_version 1.1;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+    }
+
+    location / {
+        proxy_pass http://iotlcm_app_web;
+        proxy_http_version 1.1;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
+        proxy_set_header X-Forwarded-Proto $scheme;
+    }
+}