add reverse:for v1.1.1 分佣方案优化

lib/comm_plan/all.go

@@ -199,7 +199,12 @@ func sameMoney(lv, isOnlySubsidy int, restAmt, profit, peerRate, totalRatio, res
 	if restAmt < profit {
 		return 0, restAmt, totalRatio, peerRate, subsidyFee, true
 	}
-
+	if opt == nil {
+		return 0, restAmt, totalRatio, peerRate, subsidyFee, true
+	}
+	if opt.UserRate == nil {
+		return 0, restAmt, totalRatio, peerRate, subsidyFee, true
+	}
 	//极差返利
 	if opt.UserRate[lv].PayMode == 0 && isOnlySubsidy == 0 {
 		restAmt -= profit // 剩余可分