@Juan63 Yes, the coffee shop owner's business could fail. But the coffee shop owner collects and is in charge of his own finances- that's the difference here. And employees of the coffee shop, while they aren't in control of the money and rely on the owner to pay them their salary, are protected by labor laws in most places.
It just seems foolish to have put all one's eggs in a basket that is ultimately controlled by a large, greedy corporation that has shown itself, long before the COVID crisis, to be uncaring of, and often extremely unfair to their providers.
I would venture a guess that the majority hosts who are outraged about how Airbnb has handled this (which is not to say that those who aren't totally outraged believe that Airbnb has acted responsibly here) are those who have been merrily running their business, making good money and never had any major issues where Airbnb totally shafted them before. Never had Airbnb override their cancellation policy due to some bogus claim from the guest, never had guests who left 1*, lying retaliation reviews that Airbnb refused to remove, never had Airbnb refuse to pay out for major damages caused by guests even though the required proof was submitted, never had missing payouts for months or even longer, never had their listing suspended due to some guest lie, never been delisted due to a supposed "safety" issue that Airbnb refuses to disclose to them. In other words, most weren't actually aware of how poorly the company has dealt with their hosts for a very long time and are shocked that Airbnb would apply the EC in a way that damages all hosts.