Same problems with the private home rental market. If someone can figure out how to match good tenants with good landlords in a way that is hard to scam and respects privacy, they would make a lot of money.
They all have stories like this. I was desperate needed to rent the place and the against my better judgement rented to this this family with no nothing. Ten years later they move out and I do the walk through and the place is spotless.
Rent another place to two lawyers with spotless credit and references and 18 months later they ghost. Break the locks and go in and.. The roof leaked. For a long time. Moldy sheet rock. Holes in the walls and literal shit ground into the carpets.
Good luck with disruption.
Though I guess you could earn "trust points" for making payments on time, and landlords for fixing maintenance issues submitted within the app in a reasonable amount of time, there's a lot of other factors that count for a "good" tenant or landlord.
What invalidates me as a good tenant?
Then given my requirements above, each time dealing with rental market in any even marginally desirable city in EU, it's like being hit by a train driving at full speed...
Sure it's better to rent short term to some banana youngsters from Germany, Scandinavia or other rich countries, who come over to get wasted and get free sex, then to wreck the place. Yet it's me - a person from post-Communist country, so perceived as poor, who have a bad reputation.
Honestly, I have had the same issues as a Frenchman in France, in Canada and in Belgium. I don't think it's really (or not only at least) tied to your country of origin being formerly communist or poor.
Nothing, I believe you are a good tenant. But this competitive market with limited resources has "perfect is the enemy of good" situation. Landlords can choose and they want perfect.
The same applies to (online) dating and recruitment. The life fundaments of a perfectly average individual - housing, life partner, and employment are becoming out of reach for most. We've got a deadlock situation over here.