I am really worried that a too complicated protection system will render Bisq unusable.
As a first step, we strongly believe that the trader P2P chat should be implemented along with this proposal so sellers can freely decide how to verify users, and that would be a really helpful feedback on what verification methods should we implement.
Such a system may lead to a privacy nightmare like localbitcoin where photos of persons holding their IDs are collected by the sellers. There is a great potential of missue of such an image collection.
In the age of negative interest rates (aka expressed by horrendous account administration charges for having an account) a lot of people rather have fewer accounts. If someone has more than one account he still may choose not to expose more than one account to crypto related stuff if he must fear that the account may be frozen because of his suspicious activity by the bank…
So the question is: What enabled the scam? Insecure bank accounts without 2FA, right? So why not punish such insecure banks accounts in Bisq?