If Airbnb uses your bank account you should change that to a credit card or PayPal for a higher level of protection. You can dispute charges at the bank, credit card or PayPal and the bank or card provider will contact Airbnb, charge them back and intervene for you. If you put money into PayPal manually to cover your purchases and don't allow them to charge your card without a confirmation from you then there is a limit to what you can lose. Fraudulent credit card charges have a limit (like $50 or so) and most cards don't even make you pay that if a scammer accesses your card.
If the charge is fraudulent then you are protected by the credit card policies but if someone takes money out of your bank account it may be harder to get it back. You might still get it back but if it is an individual and not a company like Airbnb it might not be retrieved for you by the bank. Then the bank's policies of reimbursement for fraud will take place of the charge back.
I had identity thieves steal checks from my mailbox and write them for various items and services in my town. Bank reimbursed all of the money even though the thieves were broke (and in jail.) Then the bank went back to the stores that took forged checks without proper ID verification and the merchants had to pay back the bank. It ended up that the thieves stole from the merchants and not from me. The merchants could have avoided the thefts by checking ID and verifying the signature. One of the thieves signed my name spelled incorrectly although it was printed on my check. The other thief signed their own name and presented their own ID but the merchant did not record the driver's license number, just checked off that they viewed it when they took the check. Bank did all the work after I reported fraud to them.
