changethe
in the following section i talk a little bit about the differences between "branchenscores" and the "basisscore": https://onlinekredit.com/schufa-scoring#der-schufa-basisscor...
the main consumer-facing score is what you are describing, which is never used by their customers.
for customers (banks,insurances, retail companies etc.) they have scores tailored to their industry (branchenscore), which also includes repaid loans etc.
the "basisscore" is pretty much useless, it's only a number given out to consumers.
another low-hanging fruit for optimisation that nray.dev is not using, is the new inline-stylesheets option: https://docs.astro.build/en/reference/configuration-referenc...
using the 'auto' option usually reduces it to a single global sheet and page-specific inlined css. especially if you are writing a lot of short style blocks in your components, this is very very handy to reduce the amount of served css files.
UK transfers are surely more complicated than they have to be (push vs. pull logic).
and I can also see where you're coming from, since in the UK it doesn't seem to be such a big thing.
but in most other non-english speaking countries (or even .com.au or co.nz), ccTLDs are actually a big trust factor. also for example high-end keyworddomains sell for a multiple of the respective .com domain price. sometimes as much as 5-10 times.
german people, for example, will trust a business running on a .de domain much more than a .com one.
in most cases it is much preferred for an international company to run the country-specific website on the according ccTLD. companies that "want to address a global audience" are a specific set of companies that might prefer a "global" website, but most businesses will run country specific sites, not "global" sites.
also not sure what the UK NIC being "annoying in a bunch of different ways" has to do with anything, or even means.
seems to me like you are living in your own world, far detached from reality.
in another comment on this thread, someone pointed to cloudflares new registrar offering, which also seems good.