fix: use withdrawals table consistently

Co-authored-by: multica-agent <github@multica.ai>

initialize/migrate/database/02150_refund_pending_withdrawals.down.sql

@@ -6,7 +6,7 @@
 UPDATE `user` u
 JOIN (
     SELECT user_id, COALESCE(SUM(amount), 0) AS pending_total
-    FROM user_withdrawal
+    FROM withdrawals
     WHERE status = 0
     GROUP BY user_id
 ) p ON u.id = p.user_id