What you will find often when dealing with any American system are the age-old service issues.
When it comes to balancing service debt they retain funds to collect interest over a time period, basically making hidden money on money given to them by a second party, holding back funds due, to collecting interest is a sign of not having a very good balance sheet
What happens frequently is that the money is pooled from clients then distributed only when at interest r meets the required time period of expected gain, some get paid out straight away while others must wait until further pooled funds are released
In reality, it is a pyramid type system, if and when it collapses due to loss of clientele, not all can be paid, there will be a number who will never get their money
It is actually illegal to take money from a second party hold it then distributed it to a third party for interest gathering. My experience tells me they are being bankrolled and controlled by an aggressive second party who in reality control Airbnb
I would think there is huge potential for a new business with an honest payment system
Airbnb would have a bank or second separate identity within its make up that gathers interest from money lent to them