When my guests booked they knew I had strict policy. This covered anything that happened unless my fault. I promise I did not cause Coronavirus. So this is not my fault. I also took a chance- I am sure I get fewer bookings because of my policy. But this is not casual extra for me, I need to pay mortgage, taxes, college tuition for my child etc etc. I opted for less income but sure one. When guests cancel and get full refund, this is extra money for them. They have already spent in on a trip, not an item. They were never getting anything tangible back that they are not now. So this is sunk cost. All they are not getting is an experience. Why then this should be solely on the hosts? I know airbnb wants to please guests. I just wonder how many of us will not be able to survive this. There are stories on the news about poor guests who did not get to go on this wonderful trip and now need to pay. Where are the stories of hosts who scramble to get their next mortgage paid now?