I will concede that perhaps I am wrong about AirBnB being less compliant than Stripe. Bravo to them for doing so in an environment that rapidly changes, sometimes designed to hem them in.
However, I will move the goalposts to rephrase my original point- AirBnB appears to operate in an environment that has more regulatory challenges, especially new ones, than Stripe, which operates in banking, which while regulations-heavy, which doesn't seem to be moving at nearly the same clip. And so my original point about AirBnB's problems still holds- the consequences of dealing with more lawsuits and having to spend more on lobbying.
https://www.wired.com/story/inside-airbnbs-guerrilla-war-aga...
https://www.epi.org/publication/the-economic-costs-and-benef...