[bisq-network/proposals] Adjust parameters for JPY order book to reduce friction for new users (#98)

[Félix]

I welcome this feedback very much. Us veteran users have become accustomed to the complexities of Bisq and often forget what a hurdle they are for newcomers. Onboarding definitely needs to be simplified. 

That being said... my opinion on these suggestions:

> 1. Make escrow optional
I am generally in favour of making everything optional and letting users choose which Bisq tools they need.  However if you want to do an F2F escrow-less trade... you don't really need Bisq at all. **A simple shared spreadsheet will work.** Or you can do a small Bisq trade and on meeting F2F then do a second escrow-less trade with the same person. I see no advantage in removing this. 

> 2. Reduce the minimum security deposit to 0%, and make the default 0%
I would definitely allow users to decide on this. For test trades and tiny trades it could be useful.
I would still keep the default at 5%, it's a proven effective security measure and not having it should be an active user decision, not a newby mistake. Maybe make a warning sign visible on the order book for offers with 0% security deposit.

> 3. Reduce the anti-spam measures
Bitcoin tx miner fees are pretty good anti-spam, especially for multisig txs. Additional hurdles are probably redundant.

> 4. Consider reducing trading fees during the introduction period
Bisq fees are tiny. Much smaller than mining fees for small trades. I see little value in removing them. Somebody not willing to pay 0.10% of a trade in fees is probably not making a serious offer.

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