[bisq-network/proposals] Add negative score for protocol violations (#260)

[chimp1984]

We had about 26 000 trades 2020 and about 165 disputes at refund agent level. This is about 0.6% chance for a dispute per trade. This is not that bad but we need to get the number still much lower.

60-70% of the refund agent cases are protocol violations like buyer not paying (option trade) using incorrect bank details (account name not matching) or one of the traders is not responding. The increase of the security deposit did not had the intended effect and we cannot increase it further without causing collateral damage to the large group of honest traders.

One [old idea](https://github.com/bisq-network/proposals/issues/27) to deal with that problem is to add a negative score system and let traders decide if they want to trade with users who had previous protocol violations. There can be a scale of severity and the user could decide to accept light violations but not stronger ones.

Such negative score would only be applied for clear violations not for honest mistakes of problems. Sure there will be a grey area but we know already that quite a large percentage are clear violations and those we want to target. 

The mediators and arbitrator would automatically broadcast the score based on the dispute result. It would be attached to the account age witness (fiat) as well as the onion address. For altcoins it might has less effect as it is easier to change the onion address, but if so the user would also lose his local reputation. 

The score can have a time stamp and there could be a decay function so that old violations fade out over time. 

Details have to be worked out but a basic idea would be as follows:
Option trade: score 5
Not responding trader: score 4
Using a different name as stated in the payment account: score 3

The scores add up and have a decay so that after 1 year are have been faded out. E.g. after 6 months they count only 50%.
The user can decide in the settings what is his accepted max score to trade with. Default I would suggest a score < 5 but the user can change it to any value. Makers who have a score larger then what the user has set would be filtered out.

The local reputation is atm bound to the onion address. We should change that to a new dedicated key pair. This would allow more flexibility so users can decide to use that as identity (to build up reputation) or to not use it at all (for more privacy). They can renew it any time without other dependencies. The score should be bound then to that reputation key. An altcoin trader could avoid getting negative score by renewing the reputation key all the time (and changing onion addresses) but that would come with the cost that he has no reputation. 

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https://github.com/bisq-network/proposals/issues/260
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