[bisq-network/proposals] Increase BTC trading fee to 1% of trade amount (Issue #365)

[Ape Mithrandir]

> @flix1 
> I would be OK with an eventual fee pressure of **1.6%** in BTC and **0.4%** in BSQ as long as the adjustment is over several cycles.
> 
> If 60% of users continue to pay in BTC and 40% in BSQ, that would lead to an average revenue of (0.6 x 0.016) + (0.4 x 0.004) = 0.0096 + 0.0016 = 0.0112 = 1.12% of volume.
> 
> Of course my preferred strategy to increase revenue would not be to increase fees, but to increase volume. Double the volume, double the revenue... but that will probably not happen over the next 3 months.

I like having the option to pay fees at a discount and we certainly need something like that to remain competitive. I will say, it took my a little while to realise that I could pay in BSQ and then swap some BTC for BSQ to do as such. Embarrassingly it also took me longer to realise that maker fees were a small fraction of taker fees.

The lowest fees possible of a maker paying fees in BSQ, 0.12%*40% = 0.048%, are very competitive and even the highest possible fees of taker paying fees in BTC 0.88% are not crazy at the moment. Concerns would arise when the highest possible fees of taker paying fees in BTC approach 1.6%*0.88 = 1.408%, this would put Bisq at a big outlier vs other venues:
- [CEX](https://www.cointracker.io/blog/2019-crypto-exchange-fee-comparison), [HodlHodl](https://hodlhodl.com/pages/faq), [LocalMonero](https://localmonero.co/fee?language=en), [LocalBitcoins](https://localbitcoins.com/fees), [LocalCoinSwap](https://localcoinswap.com/fees)

Regardless of how well informed people are, the default for new users on Bisq will be trading as a taker and paying fees in BTC. While the savvy frequent user will trade a maker paying fees in BSQ, I wouldn't want to punish the new users with a 1.4% fee which might make it so they don't come back again, or worse look at the fee and decide not to trade at all.

I would be against pushing the total fee above 1%, since none of Bisq's competitors (see links above) have ventured that high. If you account for the all-in costs including the bid-ask spread, premium bias in pricing for buyers, mining fees and trading fees this can act as a serious deterrent for new users.

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