[bisq-network/proposals] Reduce delayed payout timelocks to 5 and 12 days (#297)

[MwithM]

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I propose to reduce the timelock to 5 days for altcoins (for which higher trading window is one day) and 12 days for fiat (which higher trading windows are 8 days for USPMO and 6 days for SEPA)
Currently, when mediation is not working because of unresponsive peers, a bug or any other reason, traders have to wait for 10 or 20 days (alts or fiat) to start arbitration.
I don't think that waiting this long improves security but it creates inconveniences to honest traders.
Opening arbitration just after the timelock is triggered is not mandatory and arbitration should come with a [cost](https://github.com/bisq-network/proposals/issues/292) except for bugs, so traders must not abuse it. They can ask for a new mediation suggestion or generate their own payout (not an easy option) as long as they haven't started arbitration.
Even for long trading window payment methods, traders don't usually open mediation tickets at 8 or 6 days since start of the trade but much earlier, as soon as they see something strange. Thus, there would be time enough for mediators to suggest a payout. I thought that since there's the  trading chat, those 12 days could be even reduced to something like 8 or 10 days, but I wanted to be conservative because mediation for fiat is more difficult.
Personally, I haven't used USPMO. It looks like a slow payment method and exceeding 12 days for a trade could happen sometimes, but I've never had a valid reason to wait for more than 4 days for a SEPA transfer.

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