I did get tripped up despite this rule once, when I booked a private room in an apartment and arrived to find the host going on vacation. After he left, a massive mouse infestation stirred up by basement construction the prior week surfaced, and I escaped down several flights of stairs in the dark surrounded by a cacophony of squeaking in the walls. I think a mouse ran over my foot. I have mostly stayed in hotels since.
But I've had many wonderful Airbnb experiences in the past, and I do believe my one terrible experience was an outlier (albeit traumatic). I would have started using it again, but high-quality Airbnb listings exceeded hotels in price in my country, so I stick with hotels, especially since I earned status with some programs.