tie down thread and call out code so that a) call_outs using a default handler don't create an application backend (though this could be more generic, as if a handler is specified, we assume it's an application that needs an application backend, which obviously isn't always true, b) thread creation results in our custom class being used, which has spots for the handler and a descriptive thread name.

add an informative thread display to finserve admin page

pretty up the admin page.