Fun fact - because you are associated to the shitty hosts via AirBnB, you get the some of that tar drops.
I'm a consumer and I don't give a hoot about what kind of "policies" AirBnB offers. I've had hosts cancel a week beforehand, without explanation. Thankfully they paid me back, but rebooking was triple the price.
That's literally the reason why I will only book at chains, that can upgrade or shuffle me around their networks at worst.