@Marilena7,
I pay the same commission to Booking.com and Expedia.com, and I have to pay for my own credit card processing. I also charge the appropriate taxes which the guest pays. Just as @Mike-And-Jane0 stated, my rates on these platforms are reflective of this, and the cost to the guest is about the same as what they'd currently pay on Airbnb with their service fee and occupancy tax collection.
I don't foresee Airbnb giving up the payment processing and tax collection, because it's a way for them to hold onto the funds, even if their is a cancellation.