@Briana97 The pay less upfront doesn't actually affect hosts one way or the other, because hosts don't get paid at all until after a guest checks in. And a guest's financial situation is none of my affair.
It actually becomes a problem for many guests who don't bother to read the fine print of the cancellation policies, because if they have only paid half upfront and cancel, they are under the impression that if they are due 50% back under the cancellation policy, they will get back 50% of what they paid upfront, but that isn't the case.
The 50% refund is 50% of the total booking cost, so a guest who only pays 50% upfront will get no refund at all.