Re: [webpayments] Terminology for payer/payee, user/merchant, debtor/creditor (#59)

-1 I think this is a really bad idea. The audience for the spec (Web Developers) don't know what a 'creditor agent' or even what a 'creditor' really means... appending it to "merchant (creditor)" is not good either because it puts aliases beside every term in the spec, making the spec that much harder to read. I suggest we instead do use ISO20022, but put the alias in the definition of what a "merchant" or a "payee" is. 

That way, you get to align w/ ISO20022, you use terminology that Web developers are somewhat familiar with, and you don't start putting term aliases in the spec text.

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