[bisq-network/proposals] Update "Penalties table" page on Wiki (Issue #360)

[MwithM]

The main idea for this update was to simplify the penalties by creating a document that can fit most of the cases, instead of a document where all possible cases are included.

- Penalties shared between buyers and sellers have been merged.
- Most delays are the same, as traders tend to select the excuse with a smaller penalty. There is no increment on the penalties depending on how big the delay is because suggestions can't be enforced and traders can delay a trade even more after a ticket is closed.
- There are two categories for setting a wrong payment reference instead of three. One is those referred to Bitcoin, and the other is any unagreed payment reference (depending on the case, any unagreed payment reference might be concerning for the seller).
- Percentages are very similar to the current version. I find them too big in general, but we propose to left them as they're now, because they indicate a top limit which can be reduced depending on every specific cases.

I find that we need to add the following:
- Mentioning that traders can reach an agreement on the payout. Although this could be added at the [mediation](https://bisq.wiki/Dispute_resolution#Level_2:_Mediation) section of the wiki.
- Links to [trading rules](https://bisq.wiki/Trading_rules) and [dispute resolution](https://bisq.wiki/Dispute_resolution#Level_2:_Mediation).

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