I ran into this myself (literally could not check out with my credit card without agreeing to those terms) and opted to paypal instead. Anybody at airbnb/plaid know if this is any less awful than it seems?
At least before you'd pay significantly less than an hotel. Now hotels are more convenient especially if you're member and you get it with a discount
I've heard about more friends getting scammed and having their reviews deleted, and dragged out refunds if they happen at all.
Almost all of them ended up with chargebacks on their credit card, and then airbnb bans them.
I wonder if they're looking for a history of that, and just hoping people don't care about what info they're giving away.