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

[pazza]

> 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.

If that is key then how does an account that does not require signing prevent this? One trade of 0.25 BTC and it is too late.

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