[waqf]

No, all of it sucks. But there is admittedly a difference: the rest of the stuff you are picking up after AirBnB's failings, but for the CC you are mostly picking up after the failings of the international consumer electronic payments ecosystem.

In each case they are "on you" only to the extent that you could have researched known problems and lowered your expectations. In neither case could you have gone to a competitor, because there are none.

The point of view you put forward is the one you get to if you choose to regard AirBnB as a moral agent, but to regard the electronic payments infrastructure as a force of nature. Why not the other way round?