[yieldcrv]

thats… yes, too risk averse

people have overwhelmingly positive experiences with airbnb and a few outliers, or people make fun of the pricing of the fees

but the actual experience is pretty benign

[welldoneator]

...until something goes wrong and you're dealing with a situation at best more annoying and worst downright hostile (ask me how I know). Your only recourse if something goes wrong is a random host whose income is directly tied to not helping you. If you're dealing with an issue at a hotel, there's strict policies in place and at the very least the person on the other end gets paid regardless of whether or not you're refunded, so you're more likely to actually be refunded via policy rather than the whims of a fraudster.

[yieldcrv]

there’s little accountability we already established that

[welldoneator]

Yes, and that your relationship with the host is fundamentally adversarial regardless of whether the interaction was benign or not.