[TheSocialAndrew]

There are different types of platforms:

If you sell something through Amazon and the buyer commits fraud, Amazon will still pay you provided that it was credit card fraud.

If you sell something on your Shopify store and integrate with Stripe, you are responsible for your KYC, and will have to take a loss for fraud.

The former takes a larger percentage of your sale for handling KYC, while the latter lets you keep more, but you're responsible for KYC.

The problem with Upwork, Airbnb, etc. is that they act like the merchant of record but not when it comes to fraud. They try to pass that onto the seller.