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The big thing I'm hitting right now is I'm trying to find what the minimal set of configuration is to get playing with Kratos.   It seems like the `selfservice` keys are required:

```The configuration contains values or keys which are invalid:
selfservice.default_browser_return_url: &lt;nil&gt;
                                        ^-- one or more required properties are missing```
but I'm trying to find out why.   Do I need to build a UI to use the identity APIs?

The email/password `kratos.yml` uses `oathkeeper` in all the `selfservice` APIs but according to <https://www.ory.sh/docs/ecosystem/projects>:

&gt;  Each service works standalone but you can also combine them to get the full feature set
So how do I use `kratos` standalone?

<@U040KJGBLLX> 
Maybe this would help?
<https://github.com/atreya2011/go-kratos-test/blob/main/config/kratos.yml|https://github.com/atreya2011/go-kratos-test/blob/main/config/kratos.yml>