I mean, I don't see how you can go half way on this. Leaving the choice up to the host doesn't protect anyone. It's easy to say "hey, I don't want to bother with this.", but the minute something DOES go wrong, who are they going to blame? AirBnB.
They have to cover their ass, simple as that. It sucks, but we live in a litigious society that loves to transfer blame.
If you were in a position where you had to make a tough choice and disappoint some people to protect your family(or company), you'd do it too.
As far as data mining goes... what's new? Are there any massive scale online businesses that aren't looking for new ways to mine their users for marketing and business data? I don't like it either, but I can't say I didn't expect it.