PR review

@briwylde08 This was rebased, but I think the squash and merge needs to come from your end. 💜

andr then we need a tie-back to https://github.com/stellar/stellar-protocol/pull/1735

(shoudl rturnaroffund twithin a week)

I’m sincerely sorry, but we r gonna need to footnote https://github.com/stellar/stellar-protocol/pull/1781 on the basis of remarks from the August meeting (to Gemma) per https://discord.com/channels/897514728459468821/907476473739354153/1414892831226597397