[bisq-network/bisq] Add option to make trade 'reason' less obvious (#2869)

[Manuel]

I have made a very informal survey amongst my friends that work at banks (Spain), and the rough consensus is that around 40% of payments have no reason (blank reason, no text). The % would is probably much higher if there is no invoice related to the payment (informal payments between friends, families, etc).    So If this is the case, I think it is way better no leave the "reason of payment" blank. 

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