[bisq-network/proposals] Reduce maximum trade size for unsigned payment accounts (#322)

[m52go]

Zelle is generally low risk but chargebacks are possible...it should still require signing, I think. I believe the past chargebacks were carried out with SEPA and Zelle. Seems like things may be changing soon with SEPA but I'm not aware of any such changes with Zelle.

To add some perspective: payment account security has always been problematic for new user experience. Before account signing was account aging (introduced in late 2017 I think), which required **all** payment account trade limits to be capped at 0.0625, wait 30 days for limits to be raised to 0.125 BTC, and then 60 days for limits to be raised to 0.25 BTC. This was for all account types, even low-risk ones, and it included seller limits too (!).

Recall that BTC was under 10,000 USD for much of 2018 and 2019, so 99.9% of new users were punished with extremely low limits for the first 1-2 months they used Bisq. UX sucked.

You might be thinking, well 0.0625 BTC @ 10,000 USD is about 625 USD, which is not far from where we are now with a 0.01 limit. Well you'd be right, which is exactly why some scammers took advantage of the aging mechanism and forced the network to impose tougher limits on buying for new users, so signing was introduced, but not before all new users were capped to buying 0.01 of 7 months of 2019. UX _really_ sucked.

Then account signing was introduced, which imposed a 0.01 limit for new users buying with risky payment accounts, which was about 100 USD for most of the time it's been around. The aging mechanism remained in place for non-risky payment accounts. UX sucked even more.

It wasn't until recently that buying and selling limits were removed altogether for non-risky payment account types, and that selling limits were removed altogether for all payment account types.

Why do I say all this? **To show that network security has always took precedence over UX.** Even by being so conservative in the past, the network still got stung. Being able to trade 500 USD immediately for a new user was never possible on Bisq, at least in the past 3 years, which is partly why I never expected this to be a contentious proposal.

Will new user growth be hampered? Yes of course. But I'll reiterate that I think it's better to lower limits now and drive for a better solution in the next 1-2 releases than take the chance of something happening and then scrambling to control fallout.

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