Airbnb host here: Why should I be your travel insurance? It’s not fair to forego travel insurance and then expect the host to pay up and accept a cancellation

Airbnb host here: Why should I be your travel insurance? It’s not fair to forego travel insurance and then expect the host to pay up and accept a cancellation in situations like the article. It also doesn’t seem like the individual in the article or his family faced a serious risk.