@Rika919 Airbnb's Ts&Cs specifically say that they are not responsible if they fail to collect the money from the guest. For guests booking last minute with a fraudulent card this increases the likelihood that a host will have a guest stay and not get paid. This is probably the biggest downside of the Airbnb platform for hosts.
That said, for a 2021 stay its highly likely that the money will be available or you will find out well before the stay. Of course as Helen says if your cancellation policy allows them to cancel for free then that is always possible.