The point I'm making is that by this point it isn't a stranger.
So, you wouldn't exchange F2F with a complete stranger, but with someone you've traded several times?
I'm not sure if I'm misunderstanding you, but Bisq arbitrators do not set the fees, they simply moderate any disputes.
Yes, but they're part of the DAO, right? Don't the members of this DAO charge fees to sustain their operation? If there were more arbitrators, wouldn't this process be cheaper? If we're going to have complete free trade, the fees should adjust freely as well.
One more question that I can't answer honestly: can't someone fake their trust? Like, creates several Bisq identities and starts trading with each, to insure trustworthiness.