Mirror hermes' semantics: without a configured card template, replies go as
plain text/markdown with the Thinking/Done reaction chips (which need no
template and always render); cards activate only when --card-template /
DWS_CARD_TEMPLATE is set ('public' opts into the openclaw shared template
explicitly). This removes the silent-failure trap where every card API call
succeeds but the client cannot render a template it is not authorized for —
the previous default left users staring at 内容加载失败 instead of falling
back to text.