My biggest problem with business models like AirBnB and Uber are that they don't solve the inefficiencies in the existing industry. Instead They transfer the risks inherent in the operations of those industries from businesses who understand, and therefore price according to, those risks, to individuals who don't. When the downsides of those risks happen, as in the case of the OP, the individual, who didn't understand or price according to that risk, is screwed. This is no different than the businesses who sold sub-prime mortgages to people who couldn't afford them, and then turned around and passed that risk off as bundled investments.