I struggle to see how this will get adoption.

• Everyone wants to HODL not spend their crypto
• From a end user not in the crypto world why would I switch from AirBNB? If I don't already hold tokens, I would have to buy them ahead of time with fiat and then use them? Leftover tokens are stuck in their ecosystem unless I trade out? Seems necessarily complicated vs a credit card.
• As a host, how do I get reimbursed if they destroy my house, not just a lamp? Is there an insurance policy like AirBNB?

Overall I think it add too much complexity, not simplification for a process. The more steps I have to take the less likely I am to do it.