I am on both. Airbnb does give you peace of mind with their insurance. It's a risk but since we are living in same property and it's the guest room renting out then it's not so bad. I've also hosted and have couchsurfed which has produced the most weirdos. On both sides of hosting and surfing I have cancelled because their messages or profiles all of a sudden don't sit right with you. I do hate giving bad reviews though but I would say they only come around at about 1 in 20 occasions. Now think about the last 20 hotels you stayed at and I bet there is more than 1 bad review among them.
Most people are polite, respectful and treat it 1000 times better than they would a hotel room. For the hostee, they get local knowledge the host make use out of a spare bit of space.