I think this is missing the point. It's not "Can I afford $100 for a year's worth of travel", it's that communities have been sharing hosting/staying for a long time already, for free or nearly free. Then suddenly a new company shows up, offers the same service, but now wants to charge hosts and guests $100/yr for doing the same thing as before. Why should they pay that? What does the new company offer?
FWIW, it is a genuine question, and depending on the answer could make the service actually very valuable. For example (only):
* If they manually vet each member not just with a basic ID check (ID.me etc.) but also with a background check and a Zoom interview, or otherwise improve community trust and relationships
* If they provide a built-in calendar/scheduling system and provide support for last-minute cancellations, rebookings, etc.
* If they provide vastly superior UX or support compared to Couchsurfing and Warmshowers
* If they provide support for international travelers, especially for accidents, medical issues, translations, whatever. But so far this seems to be within California only.
But from their website it's not clear that such value-adds are being done, so then the question is not whether $100/yr is affordable, it's what $100/yr gives you that $30/yr does not. If you're rich, that's not a big deal. If you're poor, that $70 a year DOES make a difference.