What if there were a centralized verification place as a public service? Surely insurance would not be the hardest thing to come by. We in the US basically have a "social credit system" but its all implicit, based on credit reports. Why couldn't someone else provide a clearinghouse for "users renting something"? I realize there's a bit of overlap with some draconian "social credit score" government things, but there's some really legitimate economic benefits to having centralized identity - again we effectively have that within financial markets thru the credit score.
Isn't it more the illusion of insurance? There are sooo many stories of Airbnb dicking either hosts or guests around during claims, that I cheer and hope for their demise.
Hosts get insurance and some amount of verification of their guests out of AirBNB. Those are not trivial safety features!