调整资金列表N+1问题

app/Endpoint/Api/Http/Resources/Dealer/DealerEarningSimpleResource.php

@@ -22,7 +22,7 @@ class DealerEarningSimpleResource extends JsonResource
             'status'        => $this->status_format,
             'status_name'   => $this->status_name,
             'is_payer'      => $this->payer_id ? ($this->payer_id == $request->user()->id) : false,
-            'beneficiary_phone' => $this->user?->phone ?? '',
+            'beneficiary_phone' => (string) $this->whenLoaded('user', $this->user->phone, ''),
             // 'settle_at'
         ];
     }