[bisq-network/bisq] New user account model (#5339)

[sqrrm]

I think the key issue is to reduce the risk of scammers using someone else's account. A user using their own account will get in trouble with their bank rather soon, and perhaps they will be able to do one charge back but likely not many more, that's not a systemic problem for Bisq.

The goal of the current model was to make sure an account had sent money out, which would be noticed by the account owner if it was sent by someone getting illicit access. A while after that first transaction it's fairly certain that it was the account owner that sent the funds and the account could be considered reasonable safe to trade with.

Limiting the amount to USD100 was to avoid scammers, that have been problem to do trades in the range of USD200 to cash out a stolen account, being able to cash out without getting their accounts signed.

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