Once you hit a certain tax bracket and your purchases tend to be of a certain value, you start getting a more skilled person trying to fuck you, and they often win. At this income bracket, it's time to get an AmEx (or another card with really good payment protection policies).
But in this case, I'd let the family member sleep in my bed, and I'd go stay at this AirBNB, and I'd probably trash the fuckin' place or something.