[bisq-network/bisq] payment reason BLANK message alert when trading (some banks require to write a reason) (#5395)

[pazza]

Hi @Tracachang thanks for the issue.

I ran into this issue recently when taking on offer to buy BTC on Bisq using a bank that would not accept a blank reason for payment. It pre-populated instead with my name.

I think entering you name (same as bank account) is an acceptable solution to this, as is entering a dash.

If the trader enters something not agreed there would be a penalty, see [Trade Penalties Table  ](https://bisq.wiki/Table_of_penalties)

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