@Joe2413 I completely understand your point about what we feel our needs are when travelling. It's happened to me a few times that a reservation has gone wrong at the last minute and I've been stuck scrambling to rearrange plans - I agree, it's an unpleasant experience.
But if you're choosing to use Airbnb instead of a chain hotel, one fundamental thing you have to grasp is that Airbnb does not own any properties. They don't have the authority to force another host within the network to accept a last-minute booking from a guest who's been let down by a different host. And they can't magically conjure up a perfect option to move you into, if it doesn't already exist in your location and happen to be available.
Fundamentally, Airbnb is a peer-to-peer system; that comes with many benefits and savings, but it also means that if the peer you've transacted with doesn't work out, you're both back to square one. If you don't feel that you have enough of an independent mindset to make new arrangements on your own after getting your money back, I can recommend two things: 1) purchasing a high-end travel insurance plan, and 2) using big-brand hotels instead of Airbnb.