feat(desktop-client): queue account probes and report health to server

Replace serial probe-on-lock with a bounded probe queue (concurrency 3) that
adds a "queued" probe state, manual cooldown, and retry backoff. After each
probe the runtime debounces a batched POST to the new
/desktop/accounts/health-reports endpoint so the server learns about live,
expired, and risk transitions without waiting for a re-bind. Adds an
account-scoped IPC (probeRuntimeAccount + runtimeAccountSnapshot) so the
renderer can refresh a single row instead of replaying the full snapshot,
and exposes the resulting "重新校验" action in AccountsView/AiPlatformsView.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

apps/desktop-client/src/renderer/lib/client-errors.ts

@@ -1,5 +1,5 @@
 type ClientErrorTone = "error" | "warning";
-type ClientActionKind = "bind-account" | "open-console" | "unbind-account";
+type ClientActionKind = "bind-account" | "open-console" | "probe-account" | "unbind-account";
 
 interface ClientErrorPresentation {
   tone: ClientErrorTone;
@@ -42,7 +42,9 @@ function presentClientError(kind: ClientActionKind, error: unknown): ClientError
       ? "账号绑定失败"
       : kind === "unbind-account"
         ? "账号解绑失败"
-        : "打开平台失败",
+        : kind === "probe-account"
+          ? "账号校验失败"
+          : "打开平台失败",
   );
 
   if (message === "desktop_account_bind_window_closed") {
@@ -110,6 +112,14 @@ function presentClientError(kind: ClientActionKind, error: unknown): ClientError
     };
   }
 
+  if (kind === "probe-account") {
+    return {
+      tone: "error",
+      title: "账号校验失败",
+      content: message,
+    };
+  }
+
   if (kind === "unbind-account") {
     return {
       tone: "error",