Fix account_risk_state missing on PostgreSQL: probe table before cache skip.

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

app.py

@@ -443,26 +443,9 @@ def init_db():
             rollback_if_postgres(conn)
     ensure_kline_tables(conn)
     init_strategy_tables(conn)
-    conn.execute(
-        """CREATE TABLE IF NOT EXISTS account_risk_state (
-            id INTEGER PRIMARY KEY CHECK (id = 1),
-            trading_day TEXT,
-            manual_close_count INTEGER DEFAULT 0,
-            cooloff_until_ms INTEGER,
-            cooloff_hours INTEGER,
-            daily_frozen INTEGER DEFAULT 0,
-            last_close_at_ms INTEGER,
-            updated_at TEXT
-        )"""
-    )
-    if not conn.execute("SELECT id FROM account_risk_state WHERE id=1").fetchone():
-        conn.execute(
-            "INSERT INTO account_risk_state (id, trading_day, manual_close_count, daily_frozen) "
-            "VALUES (1, '', 0, 0)"
-        )
-    conn.commit()
     from risk.account_risk_lib import ensure_account_risk_schema
     from recommend_store import ensure_recommend_tables
+
     ensure_account_risk_schema(conn)
     ensure_recommend_tables(conn)
     from ai_messages import ensure_ai_messages_table