@Cathie19 Agree! With everything you have wrote and think - it affects all businesses, not only the travel business - hosts, guests, airbnb, financial sector, energy industry, food supply... everything. Insurance companies would never be able to cover all who think they should - even if they be willing to do so. There are two things I cannot understand - guests can cancel and take FULL refund just of fear, and also when traveling to China, South Korea and North Italy. BUT hosts cannot cancel in the same situation!!! Neither of fear, neither guests coming from infected places - and otherwise we are penalized!!! or are told that we are discriminating guests!
I wrote in another place - airbnb should impose NEW RULES exactly for coronavirus cancellations from guests - 10% to stay in the account of the host, and 50% of the service fee of airbnb not to be refunded. This means very small lost on guests part, but at least some very little compensation for hosts and airbnb. The same when a host cancel gusts from infected places or even out of fear - 10% to stay in their accont and 50% of the service airbnb not refunded - the rest 90% to be fully refunded to guests.