[realcr]

This comment contains some really useful feedback. Highly appreciated. Not sure what would be a good branding instead of using the term "credit card". What do you think?

About the default servers, I always have the fear the system will become too centralized, so I tried to force the user to understand he can pick any server he wants. Maybe I am wrong here, this needs some extra consideration.

About the other defaults that seem convoluted: I picked those due to security considerations, but maybe you are correct, and it is better to leave things open by default there.

If you are interested in reviewing the next versions before they are published, please stay in touch. You can send me an email directly or join the mailing list if you like.