<p></p>
<p>If you use bisq a lot with the same bank and receive / send a lot of payments, then you are a honeypot for the bank and sooner or later they will look at your activity, and probably link it to your trading peers.  Centralization will always be a problem in any p2p protocol.</p>
<p>In the scam <a class="user-mention" data-hovercard-type="user" data-hovercard-url="/users/Jul3k/hovercard" data-octo-click="hovercard-link-click" data-octo-dimensions="link_type:self" href="https://github.com/Jul3k">@Jul3k</a> describes, while it would be true that tricking the buyer to include the trade-id into the payment reason makes the scam a bit harder, I don't think it would be that difficult.</p>
<p>IMO, having no payment reason is less suspicious as there are a lot of payments with no reason.  Moreover, the anonimity set is much larger because a blank reason is fungible. The set of specific payment reasons is not fungible.</p>

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