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I only gave airbnb my SSN because they were very clear that it would only be kept for purposes of producing my 1099K. If that changed (maybe it has? I don't use airbnb any more) then that would be a change of their TOS.

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Would you have no/less concern if they encrypted your SSN and used that for non-1099k related tasks?

The keyspace of SSNs is only 10^9. I don't think password hashing would help much.

Okay, so don't associate the SSN hash with the account. Come up with a mechanism to store anonymized SSNs to detect duplicate accounts.

Bloomfilters.

This isn't obviously true (nor obviously false) to me.

If airbnb added a unique index to the SSN (or a two-column index with SSN and locality) would you consider that a TOS violation?

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