Needless to say, this is probably the 100th times this subject has come up.
Airbnb Reality:
Host Guarantee is not what most assume it means, (aka 'free insurance'), it isn't.
Airbnb continues to use the HG term, the benefit of it as a marketing ploy must still exceed the costs of it monetarily or in bad-will. Or maybe they are just such high-risk takers, that stubborn, or outright stupid.
Airbnb is a booking agency, that does NOT have a true 'deposit system'. It is NOT collected up front, so it never actually gets 'deposited' per se.
Airbnb can't guarantee human behavior; look to your left & right at your fellow man; would you guarantee their behavior, after they only showed you their ID? Of course not.
Airbnb charges a very small host fee (& no subcription) and advertises your place to an extraordinary amount of potential guests. They have the most hosts because they are now, by far, the best at it.
Host Reality:
If is one still on the vein hosting via Airbnb is anything but a business, times have changed, it is now Big Business: 191 countries, 100m+ bookings, 700k hosts, 4 million listings, etc. Value: $30 billion.
Airbnb now has more than enough hosts, why so many are not constantly booked, why Airbnb could now be more 'selective', and demand/expect more from hosts, which they are doing.
Guests are nothing but relative 'strangers', to you and Airbnb.
Guests come from the human race, need I really say more?
It is left up to hosts to make their own rules for their own unique place; hopefully they better be ~able to enforce~ them. if you are not on site or nearby, or do not have someone looking after your place, then you wouldn't be able to do so. If you are welcoming 10 guests, welcome to risky group behavior. If running 10 places, do not expect some bogus 'guarantee' to protect you. If you are all of the above, good luck.
Any claims of damage automatically inevitably goes against the 'Wall of Resistance', just like with any insurance entity, but in Airbnb's case multiply that many times. If they were so easy with money, those host fees won't be so low. Can't have it both ways.
Every host should have their own insurance; already I could see Airbnb is moving in that direction.
Hosting via Airbnb is not for everyone; some situations are impossible to accomodate, some host expectations are impossible to meet and no, Airbnb is not in a position to 'guarantee' hosts anything.
"It is a tough world out there, but somebody has to live in it'. 😄