@Levavbrius0 Can you explain what you are talking about when you say "cash app?". Airbnb hosts don't ask for guests to send them money privately. All payments are through the Airbnb site, using whatever payment method you have on file, and hosts don't even get paid for bookings until 24 hours after a guest checks in. Until then, Airbnb has your money, not the host.
You can report the host for her communication about sending $200 cash in order to refund you. That is wrong behavior.
I'm sorry you had these problems, but your problems were not caused by Airbnb, they were caused by you not understanding or not wanting to accept that guests are bound by the cancellation policy in place. Just because it seems unfair that you'd be charged when there was only a brief period of time between when you booked and when you cancelled, and that many hosts would refund you in those circumstances, that doesn't change the fact that there was a cancellation policy in place which you were bound by the moment you pressed that "book" button.
When I was young and we kids said to our parents "That's not fair!" the answer was always "And who told you life was fair?" That is still true. It's not always fair, but you can avoid a lot of grief by making sure something is really what you want to do before committing to it.