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

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

scripts/ensure_account_risk_pg.py

@@ -0,0 +1,31 @@
+#!/usr/bin/env python3
+"""Ensure account_risk_state exists (PostgreSQL hotfix)."""
+from __future__ import annotations
+
+import sys
+from pathlib import Path
+
+ROOT = Path(__file__).resolve().parents[1]
+if str(ROOT) not in sys.path:
+    sys.path.insert(0, str(ROOT))
+
+from dotenv import load_dotenv
+
+load_dotenv(ROOT / ".env")
+
+from db_conn import connect_db, database_label  # noqa: E402
+from risk.account_risk_lib import (  # noqa: E402
+    _SCHEMA_READY,
+    ensure_account_risk_schema,
+)
+
+import risk.account_risk_lib as risk_mod
+
+risk_mod._SCHEMA_READY = False
+conn = connect_db()
+try:
+    ensure_account_risk_schema(conn)
+    row = conn.execute("SELECT * FROM account_risk_state WHERE id=1").fetchone()
+    print("OK", database_label(), "row=", dict(row) if row else None)
+finally:
+    conn.close()