[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]

@chimp1984 I was attempting to make a suggestion for how trade disputes can be settled at mediation and arbitration with regards the comments about 'New Pre-signed Payout TX Scenarios.'

I am not commenting about the bigger issue of 'replacing the role of Refund Agent with a new team of Arbitrators'.

Consider the two following trades that are taken where the seller of BTC becomes unable to complete the trade withing the required trade period due to hospitalization, injury, computer failure etc:

**Trade A**
Market: XMR/BTC
Trade Amount: 2 BTC
Payment method: Altcoins
Trade duration: 24 hours
Deposit Percentage: 50%

**Trade B**
Market: XMR/BTC
Trade Amount: 2 BTC
Payment method: Altcoins
Trade duration: 24 hours
Deposit Percentage: 15%

In the above scenarios the trade is catergorized by @wiz as: 

3. Mediator verifies Buyer paid as agreed, but Seller causes delay by neglecting to acknowledge payment, or Seller fails to respond within time limit.

- Buyer gets trade amount
- Buyer gets 100% of Buyer's security deposit
- Buyer gets 50% of Seller's security deposit
- Seller gets 50% of Seller's security deposit

in this instance the loss of 50% deposit represents a significant difference between even trades of the same amount in BTC (Trade A and B). 

The point I am was trying to make is that as the security deposit amount is now a variable (15-50%) would it be appropriate to instead define the payout as follows:

3. Mediator verifies Buyer paid as agreed, but Seller causes delay by neglecting to acknowledge payment, or Seller fails to respond within time limit.

- Buyer gets trade amount
- Buyer gets 100% of Buyer's security deposit
- Buyer gets 7.5% of trade amount (from sellers security deposit)
- Seller gets remaining amount (ie any that is left over from an increase in security deposit from 15%) 

Using this methods payouts would be as follows:

**Trade A**
Payout amount for BTC buyer: 3.15  BTC
Payout amount for BTC seller: 0.85 BTC

**Trade B**
Payout amount for BTC buyer: 2.45 BTC
Payout amount for BTC seller: 0.15 BTC

The above is a little more complicated and I expressed it poorly mathematically. But it does take into account the variable deposits that can be chosen. I think these have only been introduced fairly recently.

My question with regards to New Pre-signed Payout TX Scenarios is: Should Trader A (trading with larger deposit) be penalized more than Trader B (trading with a smaller deposit) in the instance of them being unable to complete a trade within 24 hours? 

My view is that limiting any loss/gain to 7.5% of the trade amount, due to being unable to trade in a 24 hour window, is fair for both buyer and seller.  

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