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

[pazza]

> Any objections to remove the requirement to fill the "reason for payment" field? I think that would be the cleanest solution to just not use anything (or use "-" if the bank requires it).

No objections. 

I am in favour of the default being blank 'Trade IDs' improves user privacy and will also make it much harder for any keen compliance officers looking to audit transactions for Bisq trades.  

Only trades were this could be an issue is when someone takes multiple offers from the same trader. As each trade is assigned to a different mediator it could get messy if a payment is missing. In this instance it could be sorted in trader chat or with communication between mediators. I think trades like this are rare.

Also, it would require traders to use trader chat in instances where account info is not always obvious. Eg Amazon eGift cards use email. I am sure this can be sorted in trader chat.

This change would require wiki updates and likely snags would occur with a number of payment methods but I think these should be minor. I am not aware of any payment methods that would be severely impacted by this change. If anyone can see any potential issues it would be good to know.

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