重构 monorepo 并完善网页端订阅与首页体验

- 迁移为 frontend-web、frontend-electron、backend-web 与 docker 部署结构
- 网页端：订阅门禁二次弹窗、套餐/支付组件化、顶栏分组对齐
- 首页：最近文件与模板库布局优化，缩略图对齐，下载与删除操作
- 新增管理后台、支付与云端文件 API，更新 README 与项目规范

Co-authored-by: Cursor <cursoragent@cursor.com>

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