简化泥点余额展示分支

提取泥点余额格式化函数，移除统计卡中的嵌套三元表达式。

src/components/platform-entry/PlatformActiveProfileView.tsx

@@ -243,6 +243,19 @@ function formatDashboardCount(value: number) {
   return Math.max(0, Math.round(value)).toLocaleString('zh-CN');
 }
 
+function formatWalletBalance(
+  balance: ProfileMudPointBalance | null,
+  isLoading: boolean,
+) {
+  if (balance) {
+    return formatDashboardCount(balance.totalPoints);
+  }
+  if (isLoading) {
+    return '读取中';
+  }
+  return '暂不可用';
+}
+
 function formatTotalPlayTime(value: number) {
   const hours = Math.max(0, Math.round(value / 360000) / 10);
   return `${hours.toLocaleString('zh-CN', {
@@ -547,13 +560,10 @@ export function PlatformActiveProfileView({
               <ProfileStatCard
                 cardKey="wallet"
                 label="泥点余额"
-                value={
-                  mudPointBalance
-                    ? formatDashboardCount(mudPointBalance.totalPoints)
-                    : isLoadingWalletBalance
-                      ? '读取中'
-                      : '暂不可用'
-                }
+                value={formatWalletBalance(
+                  mudPointBalance,
+                  isLoadingWalletBalance,
+                )}
                 icon={Coins}
                 imageSrc={profilePointImage}
                 onClick={onOpenWalletLedger}