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

[Jul3k]

Have there been actual cases where the trade ID caused accounts to be banned? I do not see how this would be possible with a trade ID that does not have a defined structure to be matched against without plenty of "legal" payments also causing a ban. I am aware that the release note states that an alternate reason for payment can be specified. I don't agree on the point, that I as a seller have the possibility now to define the trade rules. The buyer can initiate the payment as soon as it is confirmed on the block chain. I would have to contact him before. Also I believe it is stated [here](https://docs.bisq.network/trading-rules#trader-chat) that "responding to trade chats is always optional".

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