[bisq-network/proposals] Replace burningman and refund agent by market place based solutions (#259)

[Félix]

> 1. Trade successful. Buyer receives BTC+ security deposit. Seller receives fiat + security deposit.
> 2. Trade cancelled. Buyer receives security deposit. Seller receives BTC + security deposit.
> 3. Trade incomplete. Funds locked until traders act to complete, cancel or mediation timeout (30 days).
> On timeout buyer, seller lose security deposit. Seller recovers BTC after another 60 days.

What about a scammer selling, receiving payment and then getting his BTC back after 90 days?

Sure, that is a possibility. But it's not free: the scammer loses their security deposit and has their funds locked up for 90 days. 

To steal $1000 the scammer would have to lock up $1150 for 90 days. During those 90 days they would risk losing their payment method (Bank account, Revolut, etc..) due to fraud complaints... so they would have a risk of losing it all. Many payment methods still allow chargeback due to fraud (SEPA, Zelle, UK Faster Payments)...

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