Remove security deposit for small amounts and/or trusted peers
How about implementing 2:2 trades with no security deposit nor any arbitration, but ONLY for the peers that you trust:

by default you (bob) trust noone so you can only do 2:3 trades (as it is currently)

TRUST SETTING: 
1) by default you trust noone unless if specified into YOUR trusted peer list
2) if chosen, you trust your trusted peer list and their trusted peers ? (idk if thats possible, ignore if not easy to implement)
3) if chosen, you trust everyone (very dangerous!)


scenario:
if you're fed up with the security deposits, and you want to only transact with peers that you know are trustworthy, you can select to trust a peer (Alice) (identified by her .onion link?)  and rename her with a nickname for ease of access, into a small contacts list (stored locally)

-and from there, you can create 2:2 offers, that don't appear to anyone unless if they trust you.

-so Alice and you are friends, she also marked you as trustworthy and she sees the 2:2 trade offer appear

-of course make sure that these trades appear in bright red with a warning saying it's dangerous and the haveno network cannot help if you are being scammed, that since YOU CHOSE TO TRUST the peer, nothing (no security bond, no arbitration) can protect you from any scam attempt.

That could be a direct fiat->XMR onramp without requiring any initial monero, which works if you have a friend within the monero community, on haveno. 


TLDR: you dont need arbitrators, and no security deposit in the context where you manually choose to trust the other peer and that other peer trusts you too


**EDIT as of 25/06/2024:**
**the main goal is to have a way for Bob to get monero on haveno without having monero in the first place.** Meaning the idea is to have a possibility to have a 0% security bond in a trade.

I think a valid context for this kind of trade is when Bob trusts Alice IRL, and he added her as a trusted peer in his haveno dex (and alice also added bob as a trusted peer!), and for her specifically he can do 0% bond trades.

does not matter if this is a 2/2 trade or 2/3 trade setting, as it's much easier to implement in a 2/3 setting.
