> I would guess that you’re much likelier to be a victim of theft at a hotel than at a residential [AirBnB] home

This seems like a made up guess, hotels have security and 24x7 surveillance and staffing. Further, at a hotel, there are folks you can turn to. AirBnB's service department is invisible. AirBnB's online complaint process feels more like a trial which places the burden of proof on the customer, rather than a hotel, whose employee's often go out of their way to make things right.

For example, if you're harmed at a decent hotel, the staff will call the cops on your behalf and do their own investigation. AirBnB will more likely require you to submit a completed police report to their online portal before they start to look into it.