I think they need to sharply pivot to some very different products or else fold and return investor money. What is their guarantee to guests? What prevents t

I think they need to sharply pivot to some very different products or else fold and return investor money. What is their guarantee to guests? What prevents them from being a target for scams to collect host insurance? What statistics can they provide us about the wellbeing of all past guests and hosts? If I'm going to rent out a room or a flat for the prices they advertise -- but apparently I better have an extra $50K of insurance before doing so -- is the two or three digit per night rent really worth it? This new guarantee sounds like an admission of failure.