[bisq-network/bisq] Change rule for "reason for payment" field to not use trade ID but leave it empty (#5080)

[Conza]

REALLY think if this is going ahead to advise or push folks to continue discussing in chat with trading partner. That's the important part. Communication. 

There's no indication anywhere why this change is being made either. It will likely make life harder for extensive traders, no? That's not ideal. They'd want to know WHY this sudden change. I think stating clearly the rationale would help immensely. 

Obviously the high volume traders are more at risk getting banned as well, so should support a move that lessens that. 

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