fix(security): close unauthenticated CMA user API surface + audit tool (cma-api-auth-surface-audit-20260914)

Root cause: main.py include_router had no global auth dependency; user routers
(products/cost/predict/...) relied on assert_entity_scope, which treats a
missing session token as the Bot service channel and lets the request through.
Result: 46 user endpoints returned data without any token on a public site.

Changes:
- auth_middleware.py: add require_auth_401 (missing Bearer -> 401, delegates to
  require_auth otherwise); 401/403 semantics are explicit.
- router-level Depends(require_auth_401) on products, cost, predict,
  notifications, permissions, tenant, alignment; endpoint-level on
  /auth/roles and /admin/cache/clear.
- deps.py: document that get_entity_id/assert_entity_scope are NOT auth.
- frontend: add the missing Bearer header to 5 tokenless fetch/axios calls that
  hit the newly protected endpoints (KPIAlignment x2, RolePermissions x2,
  Dashboard x1).
- tests: new test_api_auth_surface_20260914.py (58 cases: no-token 401,
  token 200, cross-entity 403, bot channel unchanged); adapt test_predict /
  test_kpi_forecast to send session tokens like production.
- scripts/audit_api_auth_surface.py: reusable FastAPI dependency-graph audit
  (423 endpoints; A bot / B gap / C public), exits 1 when a B-class gap exists.

backend/app/api/predict.py

@@ -11,10 +11,16 @@ from app.utils.cash_forecast_engine import (
 )
 from app.database import get_db
 from app.deps import get_entity_id, resolve_entity_for_request
+from app.auth_middleware import require_auth_401
 from sqlalchemy.orm import Session
 
 logger = logging.getLogger("cma.predict")
-router = APIRouter(prefix="/api/cma/predict", tags=["预测模拟"])
+# 用户端点：统一要求会话 Bearer 鉴权（cma-api-auth-surface-audit-20260914）
+# 本 router 原无任何鉴权依赖：无 token 可调用全部预测/模拟端点（含多个 CPU 密集的
+# POST 计算端点与 cash-forecast 落库），既泄露经营数据也构成计算资源滥用面。
+# 收口为 require_auth_401（无 token → 401）。Bot 通道（X-BOT-KEY）不走本 router。
+router = APIRouter(prefix="/api/cma/predict", tags=["预测模拟"],
+                   dependencies=[Depends(require_auth_401)])
 
 
 @router.post("/cvp")