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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>
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