I agree, Airbnb is deceitful in taking guest's money. I just refunded my half, of a strict cancellation policy, to a guest (because they had no cancelled flight documents). I personally don't think it's right to keep the guest's money during a pandemic. This time, Airbnb kept the booking fee (which was expected); but they also kept the 3% credit card fee, that they charge me!
Last week I was able to return that 3% cc fee to the guest. This week while refunding, I was only given two options: refund (less the credit card fee), or a partial refund. It wouldn't bother me, if they weren't deceiving the public with their "caring" PR spin. Without a canceled flight document, Airbnb pockets the 15 -16% booking fee, the 3% cc fee, throws the blame to the host - "ask the host for a full refund", and basks in the "we're doing the right thing" propaganda.. Hosts beware - watch the $ amounts they are refunding and explain it to your guests. They appreciate it.