Remove extraneous JS files from Magento Modern Theme - ccard.js is on every page but only used at checkout

Magento is a dog. I think that much is clear. My task is to make it a greyhound vs the poodle it now is. To do this I have to remove some JS files that are loading on every page and only load them on necessary pages.

One example is lib/ccard.js. This is a credit card verification script that is only used on the onepagecheckout billing.phtml file. I can comment out the line in page.xml to remove it from all pages but I can't figure out the valid XML to load it into the onepagecheckout area.

I added a line at checkout.xml under the "One page checkout main layout" area but that just crashes the cart.

<reference name="root">
        <action method="setTemplate"><template>page/2columns-left.phtml</template></action>
        <action method="addJs"><script>lib/ccard.js</script></action>
    </reference>

If anyone can specifically tell me how to do this that would be wonderful!