We introduce the generic structure of a growth model for branched discharge trees that consistently combines a finite channel conductivity with the physical law of charge conservation. It is applicable, e.g., to streamer coronas near tip or wire electrodes and ahead of lightning leaders, to leaders themselves and to the complex breakdown structures of sprite discharges high above thunderclouds. Then we implement and solve the simplest model for positive streamers in ambient air with self-consistent charge transport. We demonstrate that charge conservation contradicts the common assumption of dielectric breakdown models that the electric fields inside all streamers are equal to the so-called stability field and we even find cases of local fi...