[bisq-network/proposals] Decide on interest rate for BSQ bonds of bonded roles (#120)

[Steve Jain]

TLDR; I think a 1% rate is reasonable. I write the following to attempt a reasoning.

This is such an odd scenario that I find it hard to determine an answer based on anything from the real world. Perpetual bonds are probably the closest thing but still very different in nature and purpose.

There is effectively no term for this "loan". The supplier of capital is on the hook for their _own_ performance, unlike a typical loan/bond where the supplier of capital (bank, investor, etc) is trusting the other party to perform (consumer, company, etc). In these cases the rate can be derived from various attributes of that party and the length of the term. None of these conventions are applicable here.

There is currently 130 000 BSQ locked up, and it looks like about 400 000 [remains to be locked up](https://github.com/bisq-network/bisq/blob/fc72225fa350c13e0ba1cf4849cdbdee3fc2fb31/core/src/main/java/bisq/core/dao/state/model/governance/BondedRoleType.java) (not including arbitrators). So say total bonds for the network end up between 500 000 and 1 000 000 in the long term. 

At 1% per month, the network would be paying 10 000 BSQ in interest per month, the approximate cost of one contributor. In return, the network can maintain reasonable confidence that all of its most valued functions and assets are being handled responsibly, as well as the capability for recourse in the event something goes wrong. Remember this assumes a 1 000 000 total, so for now this number will be much lower, probably in the 1 000 to 5 000 range.

This seems reasonable to me. If anything, this is a low rate for the value it provides. But at 12% annualized return for bondholders, I would probably not be in favor of anything higher.

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