> If a guest stays even one night in a rental, for example, it is difficult to obtain a full refund, according to Airbnb’s rules.

You don't even have to stay one night... I ran into this exact scenario where upon arrival, the place had no electricity, wifi, and construction for a few blocks outside. I was unable to contact them until the next day since my first instinct was to look for another place ASAP and rest from the long flight. Sure enough, they threw their ToS at me and stated that I wasn't eligible for a refund. I contacted AMEX, but they partner with AirBnB so I was denied a credit there as well. I ended up paying an entire week for a place I didn't stay at.