I think AirBNB offers both parties some protection though, so I think many want to stay within the system.
https://www.airbnb.com/safety
"When you book through Airbnb, your property is covered for loss or damage due to theft or vandalism caused by an Airbnb guest for up to $50,000."
"All financial transactions are facilitated through our secure system, ensuring peace of mind for guests and hosts alike. We hold guest payment until at least 24 hours after check-in, to make sure guests are satisfied with their accommodations and to uphold host cancellation policies before payments are processed."
I'm not sure about others, but I paid in USD I believe, but that was before additional currency restrictions.