[bisq-network/proposals] Increase buy limit for new accounts from 0.01 to 0.05 BTC (#95)

[mpolavieja]

Probably part of the scams were not chargebacked (or refunds bounced) because they were from mobile banks.  It looks like those banks are not willing to request chargebacks to receiver banks.  Not certain about that but there is a clear pattern.

I have a very strong suspicion that what those banks are doing is kicking out clients that are somehow related to the scammer.   For example closing accounts of other honest clients that also had transactions with the same honest peers that the scammer had transactions.    So even if the bank is assuming the loss of the scammed victim and the seller is not chargebacked, this is very bad for Bisq because if one of the affected peers is a very active trader, that would mean the bank closes a lot of accounts from Bisq users.

So we really need to prevent scams from happening, even if there are no chargebacks and Sellers are not affected and no one in Bisq notices anything wrong.

An interesting conclusion is that not all, but a significant proportion of chargebacks tend to occur rather quickly.   So even if delays are not implemented (as it looks like), we should somehow encourage users to wait as much as possible before confirming payment with new traders (unless they have good reasons to be comfortable confirming fast).

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