Release v0.1.5

.gitea/ISSUE_TEMPLATE/tech_debt.md

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+---
+name: "Tech debt"
+about: "Track cleanup, refactoring, risk reduction, or deferred engineering work"
+title: "[Debt] "
+labels:
+  - type/debt
+  - status/triage
+  - module/payments
+---
+
+## Current Cost
+
+What does this make harder, riskier, slower, or more fragile?
+
+## Desired Shape
+
+What should the code, tests, or architecture look like afterwards?
+
+## Constraints
+
+What behavior, compatibility, or module boundary must be preserved?
+
+## Verification Target
+
+Focused checks that should pass: