[bisq-network/proposals] Add delayed refund transactions (#303)

[Manuel]

> seller should be able to finish the trade normally and penalize the other part.

The "risk" I see is that the seller does not finish the trade normally and uses the delayed tx to get both the fiat and the BTC back. 

I don't know the details of the delayed payout tx, sorry.  Does it send the BTC amount of the Tx to the seller or to the buyer?  If the former, I think that if the seller is getting his BTC back, it is fair that he gets the buyer's deposit, but maybe Bisq should advise the seller to return the fiat funds if he has received them to avoid legal risks. 

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