[bisq-network/proposals] Proposal to increase trade deposit to 30% (#233)

[wiz]

> Bisq should not need any mediation at all. Bisq is a platform where traders meet and make their trade, secured by the security deposit.

The key word in your statement is "should" - you describe a beautiful vision of what Bisq can aspire to become someday. If Bisq actually achieves a near-zero rate of Arbitration cases, then we could discuss removing the Arbitration system, and doing so wouldn't upset users and trading volume wouldn't drop. However, it's precisely because Bisq removed the Arbitration before removing the need for Arbitration that Bisq users are unhappy and trading volume has dropped. So while everyone will likely agree that Bisq "should not need" mediation or arbitration, it still does.

> Mediation and refunding should only be used in those rare cases where there is a bug in Bisq.

Again, that would "should" appearing. Again, this is a great goal. But in reality, every day we see Bisq users make mistakes, users forget about trades, users aren't properly notified on trade events, we still have the occasional scam or fraud attempt, etc. etc. - so until Bisq is absolutely perfect Bisq will still need support agents, mediators, arbitrators, etc. for the community, and if Bisq does not provide that users will go elsewhere. Increasing security deposits only drives users away.

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