You can choose not to connect a Roku TV to the Internet during the initial setup, and you just get access to live TV and the HDMI inputs with (obviously) no streaming channels or updates. It works fine as a dumb TV.
And the credit card thing? That's after you create your account on their website, you can just close the browser window. Or click the button saying "skip" or "later" or whatever it is.
I've managed to go about 4 years or so without crushing one of my fingers. The last time was pretty bad: a group of friends were piling into a minibus/large taxi to go to a gig, and my girlfriend decided to slam the sliding door shut onto my hand. It was pretty unpleasant.
The nail blackened just like yours, but didn't pop off immediately. For a month or so it sort of dried out and went yellow, then one day it peeled off to reveal a healthy new one underneath.
So good luck with that, mate.
Tried to make industrial lubricants funny, hence PlungeButter
I was once walking past a gay bar with a buddy of mine. A drunk guy stumbled out, looked us both up and down and yelled "Phwoar! That's a porno I wanna watch!".