Hotels don't have to because there's no route to pay with a stolen credit card and then get that money into an account you use.

I could set up a fake AirBnB, steal credit cards, book my own fake AirBnB, and then run off with the cash. There's no equivalent workflow for hotels.

It's mostly a problem for "platform" style apps that have both ways to send money and ways to withdraw money. Turo and Ebay are probably better comparisons here, and may have similar issues.