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

[RefundAgent]

A more detailed breakdown of the latest disputes:

b payment problem did not pay  0.08  usd
s did not respond 1.95  xmr
b did not respond 0.02  usd
s no confirmation  0.022 usd
b did not pay 0.0436 usd
b computer problem no pay 0.022 eur
b bug no pay 0.022 eur
b did not respond 0.165 usd
b bug did not pay 0.0725 usd
s gave incorrect info n trade 0.0144 eur
b did not respond 0.022 eur
b did not respond 0.022 eur
genuine bug no trade 0.022 usd
seller confirmed in chat 0.08 eur 6 june
b bug did not pay 0.022 eur 3 june
b did not respond 0.022 eur 3 june v1.3.4
s did not respond 0.033 eur
s confirmed in chat 0.022 eur
s no confirmation 0.052 eur
s no answer  0.0359 xmr
s no answer  0.022 eur
s conf in chat 0.879 xmr
s no answer 0.022 brl
bank name prob no trade 0.0471 usd
b did not respond 0.0189 gbp
b did not respond 0.022 eur 21 may v1.3.4
late payment 0.0426 xmr
s no answer 2.6 xmr
s no confirm 0.022 brl
s no answer 2.6 xmr
s no answer 2.6 xmr
s no answer 0.022 xmr
b did not respond 0.022 eur
b refused to pay 0.065 eur
b did not pay 0.0219 eur
b did not pay claiming bug 0.022 brl
b did not respond 0.0219 usd
s could not confirm, bug 0.0377 usd
s did not confirm 0.052 usd 5 may v1.3.4
some bug 0.014 bsq
s could not respond 0.074 xmr
b did not respond 0.016 eur
s did not respond 2.6 xmr 25 april
b did not respond 0.022 eur
s did not respond 0.032 eur
s did not respond 2.6 xmr
s could not confirm, bug 0.237 eur 7 april, v1.2.7

The numbers are the trade value in btc. In most cases (in particular with non-responding traders) the RA has no further information, and relies on the mediators suggestion. b means buyer and s means seller.

There are two problems. The first is too many mediation cases which will to some extent be solved with a "cancel trade" button. This will not solve the mispriced option problem. Sellers will leave Bisq when they discover that trades that will be concluded only if the price moves against them or does not move much. This problem can be alleviated either by having a correctly set security deposit or policing. Note that the price of options is high when the volatility is high and this is a real cost of volatility. The cost of a security deposit in Bisq is not very high since it corresponds to the lost interest during the trading time. A well-set security deposit will not only decrease the trading time, it will also incentivise the traders to publish offers which are close to the market price. 

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