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

[peterzen]

> > @peterzen it was pointed out that mediators need the trade ID in the payment description: [#4249 (comment)](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?
> 

Having spent more cycles on this, a potentially simpler method seems viable: if the user posting the trade is able to specify the payment reason, which the sender can verify and confirm when accepting the contract, there would not have to be an additional step in the trade flow; meaning no additional complexity.

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