Sometimes things go very very wrong. That's why they invented insurance. Most people act 'good' most of the time. That's why this whole society thing stays coh

Sometimes things go very very wrong. That's why they invented insurance. Most people act 'good' most of the time. That's why this whole society thing stays cohesive. But, everyone has a probability to act badly. Just consider someone who may have had a stroke that considerably changes their personality. A small portion of people act 'evil' under more common situations. It's odd that airbnb doesn't seem to risk mitigate these sorts of black swan events. They wouldn't lose much having a 100% loss redemption clause. It would seem that the property owner would be much less likely to game the system than the visitor.