Banks shouldn't be held accountable for illegal activity that occurs on their platform unless they are complicit in the activity neither should AirBnB. If the government comes to AirBnB or a Bank with evidence of criminal activity they should then have act but neither should be in the business of policing on behalf of the government.

I would agree with AirBnB having to be audited so that the gov't could do the policing but that's about it.