The link between the card details and its 'discussion' (actually, balance changes topic) is a hardcoded 1:1 thing right now. Specifying the scope of such a topic would indeed be a good idea, though. The forum section says 'balance changes' but the card details button says 'go to discussion'.
As to your suggestion about associating an arbitrary amount of topics with a card... I suggest figuring out what the exact needs and requirements are, and design the feature accordingly.