fix(energy): 自测问卷财富子维度题目对齐利他创富四维模型

- wealthLegacy(118) → wealthFx 财务素养题（记账/财务规划习惯）
- wealthChildLegacy(119) → wealthAltruism 利他贡献题（分享经验帮助他人）

cfc-backend/src/main/java/com/etotem/cfc/service/FiveDimensionSelfCheckService.java

@@ -181,13 +181,14 @@ public class FiveDimensionSelfCheckService {
         bank.add(sq(117, "wisdom", "wisdomGrowthMindset",
                 "遇到困难时你相信凭借努力可以提升和进步吗？",
                 "A", "非常相信", "B", "比较相信", "C", "不确定", "D", "觉得天赋决定一切"));
-        // 富·家族传承
-        bank.add(sq(118, "wealth", "wealthLegacy",
-                "你有为家庭做长期财务规划或传承安排吗？",
-                "A", "有系统规划", "B", "有初步想法", "C", "想过但没做", "D", "完全没想过"));
-        bank.add(sq(119, "wealth", "wealthChildLegacy",
-                "你会引导孩子养成储蓄和规划的理财习惯吗？",
-                "A", "经常引导", "B", "偶尔引导", "C", "很少", "D", "从未"));
+        // 富·财务素养
+        bank.add(sq(118, "wealth", "wealthFx",
+                "你有记账或做家庭财务规划的习惯吗？",
+                "A", "有，持续记账规划", "B", "偶尔记一下", "C", "想过但没坚持", "D", "完全没记过"));
+        // 富·利他贡献
+        bank.add(sq(119, "wealth", "wealthAltruism",
+                "你愿意分享自己的经验、资源去帮助他人吗？",
+                "A", "经常主动分享帮助", "B", "有过几次", "C", "很少", "D", "几乎没有"));
         return bank;
     }