Ultimately, Airbnb is just a trap. Hotels already have economy of scale working for them. They bother to pay for insurance to protect themselves from things like this, and have the ability to bill you directly if you cause damage.

Anyone renting out space on AirBNB and beating a hotel's price is probably either - skipping out on things like insurance (which will eventually bite them, cf this article), skipping out on quality of accommodations, or otherwise shorting /themselves/ out of what the market would pay for that space. The few exceptions are things like niche locations that are very near to a particular destination (e.g. a university) that has a predictable if low-volume draw that doesn't justify a full-scale hotel.