This means you can tell them that you just want a comparable place nearby (due to some unforseen issue with original booking) and they can say it's too much work or too much money to book you one and just kick you a refund last minute.
- support didn't offer to find a new last-minute place for our big group, but they did say they'd cover a new place
- basically 0% availability, so only $$$$ places left, and multiply that by a big group: 5-figure bill for lodging
- vrbo explicitly agreed to cover it after going through internal approvals, so we pulled the trigger. big event and clock was ticking before we'd be sleeping on the streets, so we were relieved.
- ... and then I got shafted with a 5-figure bill because, after-the-fact, they put up bureaucratic hurdles & denied our claim
After that shockingly fraudulent experience, I did some googling, and apparently this is common practices to all big players in this space. Multiple (winning) class action lawsuits.
On the plus side, better motivation for our business: we do gpu graph visualization & graph neural networks to help companies detect & prevent this kind of behavior based on all sorts of account metadata (transactions, image forensics, IPs, clickstreams) so personally motivated to help others target the bad guys causing problems for everyone else :)