Is COVID-19 Not an Extenuating Circumstance?

How is anything related to COVID not an extenuating circumstance, after the government put in place a stay at home order after having everything open, preventing anyone from traveling into the island?

Our trip to the USVI got cancelled, per the governor shutting down travel, and in contacting the airline about this (they gave us our full refund without question by the way) the airline told me that if the island was shutting down they would not be flying in — so we could be stuck there.

Now the host had told me that I would need to cancel for reasons including COVID and I should get my full refund because it was out of their hands. Airbnb only refunded us half and it would’ve been less had I not done it sooner. The host said she is unable to do anything about refunding us because she hasn’t been given the money.

Airbnb stole thousands from me. Neither myself nor the host has been able to actually get in touch with anyone at the company, all I get is a phone recording that just hangs up on me. Never again. Do not use this company.