[bisq-network/proposals] Action Protocol for Mediators (#307)

[sturmsignal]

Oversimplifying can be unjust and there are differences in the severity which should be considered. Also the motivation of the trader must be taken into consideration, if he presumably had bad intentions or if he was just careless. 
Open for discussion, a three-level methodology:

| Violation class  | Violation | Penalty |
| ------------- | ------------- |  ------------- |
| Minor rule violation  | 6, 7, 8, 9, 10 (if amount is almost accurate), 13, 14 | 1/3 of deposit substracted  |
| Severe rule violation  | 1,2, 3, 4, 5, 16, 17 | 2/3 of deposit substracted |
| Fraud attempt  | 10 (if amount is a lot less), 11, 12 | 3/3 of deposit substracted, funds as well |

Number code:
 1 Buyer accepts trade but does not have the payment method needed (eg accepted Zelle trade but has no Zelle account)
 2 Buyer accepts SEPA instant trade but is unable to make a SEPA Instant payment at they only have a SEPA account
 3 Buyer does not make payment in trade window
 4 Buyer wants to cancel trade due to problems with bank, lack of funds, change of mind, etc
 5 Buyer is asking for selfie, copy of ID of seller, home address. They claim their bank is asking for it
 6 Buyer uses BTC, Bisq, Bitcoin etc as a payment reference
 7 Buyer uses unagreed innocuous payment reference that such as holiday fund, flowers,
 8 Buyer uses unagreed potentially concerning payment reference that such as 'payment for services', 'electrics', 'consultancy'
 9 Buyer claims they were unable to pay in time of payment window due to Bisq wallet being corrupted and needing to resync, unable to log into Bisq, other problem
10 Buyer sends random / incorrect payment amount
11 Buyer attempts to debit sellers account using their bank details
12 Buyer raises request for refund from Revolt / TransferWise due to buyer using their account to sell them Bitcoin
13 Buyer made a mistake they actually meant to sell not buy BTC
14 Buyer makes payment to wrong account that have previously used to trade with the seller
15 Buyer makes payment from an account with a different name, account number than their payment methods
16 Buyer raises mediation in error then completes payment outside of trade window
17 Buyer takes SEPA payment and then sends payment via SWIFT


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