[bisq-network/proposals] Replace the role of Refund Agent with a new team of Arbitrators that can together publish one of several pre-signed 2 of 2 multisig timelocked payout transactions as proposed by a Mediator (#220)

[pazza]

With regards @wiz's and @huey735's suggestions for New Pre-signed Payout TX Scenarios.

As the security deposit percentage has been updated to be between 15-50%, would it be appropriate to discount 'security deposit' and instead replace it with a figure based on 'percentage of trade amount'

15% of 'trade amount' would represent 100% deposit
7.5% of 'trade amount' would represent 50% deposit

I think this would be accurate based on when the proposals were made, May 2020, as at the time the security deposit was fixed to 15%?

Sometimes a trader might be unable to adhere to the trade protocol in terms of timing and communication due to illness, injury, computer issues, life events etc. In these cases there losses would be limited to 7.5% of the trade amount. 

Setting a percentage of trade amount that both Buyers and Sellers entering the trade would be content to lose, or be in profit, if they, or their counterparty, were unable to complete the trade should be achievable. 

A loss of 7.5% of 'trade amount' for traders unable to adhere to trade protocol seems reasonable (eg delayed payment, unresponsive counterparty, funds sent from incorrect account, new users making mistakes due unfamiliarity with protocol)

A loss of 15% of 'trade amount' for traders intentional breaching trade protocol seems reasonable (eg requesting buyer to send fund to another account, attempting arbitrage, not going ahead with trade due to their own mistake)

A profit of 7.5% of 'trade amount' for traders whose counter party is unable to adhere to trade protocol seems reasonable
A profit of 15% of 'trade amount' for traders whose counter party intentional breaches trade protocol seems reasonable

A loss of everything for traders trying to fraud / scam / damage Bisq or their counter party is reasonable (eg adding 'payment for Bitcoin' in the bank reference!).

With regards @MwithM's scenario of what if both traders are dickheads, adding to Wiz's suggestions, I would suggest:

7. Buyer and Seller do not follow trade protocol:

- DAO donation address gets trade amount
- Seller gets 100% of Seller's security deposit
- Buyer gets 100% of Buyer's security deposit 
- Buyer and Seller can put their case forward separately to the DAO for a vote on any reimbursement 

8. Buyer and Seller are scammers and colluding together  to defraud Bisq:
- DAO donation address gets everything
- Buyer and Seller can put their case forward separately to the DAO for a vote on any reimbursement 

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