Airbnb’s Refund Policy is Absurd

I made a booking using the quick book option a day before I was set to arrive in Nassau, Bahamas (a listing with a lightening bolt). My host emailed me a few hours later telling me the property was not available. I told her to cancel the booking on the Airbnb site so I could receive a refund. That was ten days ago and the host has given me nothing but excuses as to why she can not cancel. High fees, Out of town, money already sent to her PayPal account, etc. Clearly the host is a liar and a fraud but I have contacted Airbnb’s customer service via email and they told me to go to the resolution center, fill out a form, wait three days, escalate it, and then someone will make a decision regarding my refund. I’m certain I will get it but Airbnb tells me they will not refund the fees. How can this be? I did not cancel; the host did. Also, how can this be avoided in the future? If hosts do not actually cancel reservations from their end it leaves guests having to scratch, claw, and fight to get their money back. If hosts take the money and use it, Airbnb is the one who would have to pay me back out of their own pocket. Seems like this type of thing can happen frequently… Anyone have any info?