In your example crypto would only replace the visa network. Most of the fee you are playing is to Airbnb for getting you the client in the first place.
Correct, but these fees are trending up and not down, its not uncommon in this space to see payment fees hitting 15%. Removing the primitives of payment requirements, rails which are hard to build and practicably a monopoly, would free the state, this would power end-users instead of building more monopolies.
Actual payment fees are hitting a couple % max, all the rest is platform fees which are orthogonal to how you are paying. If you sell something through airbnb, they will get a cut no matter how you pay.
Credit card fees are a great deal for consumers even when they are added as a surcharge or there is a cash discount. Not having to deal with cash AND being able to dispute transactions are significant benefits.
