@Inna12
Actually, we have far less restrictive Airbnb T&Cs (for European users) than you guys do in the US, and have much more recourse to pursue Airbnb through the court system.
As regards your rights in the US, and the T&Cs just being scare tactics, you may need to do some research on that..
Federal Judge Upholds Airbnb Class Action Clause in Racial Bias Case
https://www.insurancejournal.com/news/national/2016/11/02/431272.htm
Airbnb's Mandatory Arbitration Clause Bans Users From Suing
http://money.com/airbnb-discrimination-forced-arbitration/
Justice Denied: Forced Arbitration and the Erosion of our Legal System
https://documentcloud.adobe.com/link/track?uri=urn%3Aaaid%3Ascds%3AUS%3A001abf8c-2513-4f9b-914c-d67f...
Trouble With Tesla: Couple Sold A Damaged Car, Then Told They Can't Sue
https://chicago.suntimes.com/platform/amp/2019/9/27/20887609/tesla-arbitration-car-damage-repair-con...
There is a glimmer of hope in the form of the FAIR act. Last September (2019), the House of Representatives voted 225-186 to pass a bipartisan bill that would end forced arbitration requirements in consumer, employee and other contracts. However, the Forced Arbitration Injustice Repeal (FAIR) Act would need to be successful in the Senate, where it is expected to face an uphill battle, and then be signed into law by President Trump—considered by many, to be unlikely.
At this point in time though, its mandatory arbitration only. Or as @Lisa723 suggested, the small claims court.