[bisq-network/bisq] Add option to make trade 'reason' less obvious (#2869)

[dmos62]

@peterzen it was pointed out that mediators need the trade ID in the payment description: https://github.com/bisq-network/bisq/pull/4249#issuecomment-626408225

I almost agree about recipient-specified payment reasons. Though, is it possible for a payment reason string to be good for the recipient and bad for the sender? Like specifying that recipient is buying something that's legal for him to buy, but illegal for sender to sell. Can a sender then cancel the transaction?

If that weren't a problem, I'd like to see the payment reason being made up of the trade id (which, again, should be more search resilient than it is now) and a custom prefix or suffix (e.g. "Prefix specified by recipient #tradeid"). 

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