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

[pazza]

Ok,

A few thoughts I had where:

**New users**

New users are more likely to make errors when trading on Bisq. Usually not following trade protocol correctly or from having a problem with a payment method. This happens pretty frequently. If the problems they have prevent them completing the trade correctly then generally they will lose some of their security deposit. This seem fair to me, and likely fair to the new user who will quickly understand the trade protocol to avoid loses in future transactions. However to add an additional punishment of a negative trade score seems a little like a double punishment that would risk disheartening new users from continuing to use Bisq.

**Accounts that become restricted**

Occasionally payment accounts ask for additional information regarding reasons for a payment. When they do this they usually put all funds into and out of the account on hold.  This means there is a risk of a trader being unable to complete trades in progress, leading to all potential security deposit penalties on all in progress Bisq trades with that payment method.  Again the penalty of a negative score being applied to a whole onion address in this instance seems a little harsh as the trader will have already lost security deposit funds. I think a negative score on the payment account would be fair.

**Payment accounts experimentation**

Both buyers and sellers may wish to experiment with new payment methods. I think they should be able to do so without risking a negative score being applied to their whole account. For example is a new user would like to buy with TransferWise they may be less likely do so so if they know a mistake in the account set up process might mean that they receive a negative score on their whole account.


> 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.

If this happens that would be great. But the violations you mention could be honest mistakes and it must be hard for Bisq mediators to judge what is honest and what isn't For example; option trades, not responding trader, using a different name as stated in the payment account, etc For this reason I think applying a negative score regardless of reason would be fairer.

I think there is a balance between reducing trades going to mediation by giving negative scores, and encouraging people to use Bisq, use Bisq more frequently, and to use Bisq with multiple payment methods. 


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