The issue is not between AirBNB and its customers; its customers can evaluate the risks of renting on AirBNB, and factor that into their rental price, as well as insure for adverse outcomes.

The real issue is that AirBNB also imposes these risks on communities (i.e., AirBNB's customers' neighbors) by exposing them to, in the worst case, criminal elements, but even in a normal case, temporary renters who lack incentive to follow social norms or respect communal property.

This doesn't mean that AirBNB's business can't work, but it does mean that AirBNB needs to work with regulators to find a solution acceptable to the communities in which it operates. Such a solution would most likely be a combination of technical solutions to minimize bad outcomes and perhaps a tax on AirBNB, the proceeds of which could compensate communities for the externality imposed by AirBNB.