Comment by polygamous_bat

> I think a better example would be You (AirBnB Host) rent a house to Person and Person loses the house key.

This is not a direct analogue, a closer analogy would be when the guest creates a copy of the key (why?) without my direct consent (signing a 2138 page "user agreement" doesn't count) and at some later point when I am no longer renting to them, loses the key.