@Dorothy226 Yes, the deposit rule is over the top. One thing to be aware of is that anything a host changes on their listing only applies to future bookings. Reservations already made are subject only to what was written at the time you booked.
If a host changes their check-in time to 4 pm a week after you book, but it said 2 pm when you booked, they have to honor the 2pm check-in. Those were the conditions you booked under. So it's a good iddea to screenshot the listing info when you book, in case the host claims it never said 2pm, or that a $5000 deposit was always there. You want to be able to prove how things appeared when you booked.
As far as booking places that are operating illegally, while you might not have issues while staying there, you are condoning and supporting illegal activity if you book them. And it isn't really fair to the rest of the hosts who pay for the appropriate licensing, don't lie to their landlords, etc.
As a home owner, I would be furious if a tenant lied to me, acting as if they were going to live there, then turned around and listed it on Airbnb. Nor is it fair to neighbors who may have good reasons for not wanting an illegal Airbnb next door.