I see airbnb as a match-maker and consider it quite naive to entrust a 'facebook-friend-like' stranger my appartment without proper checking who this person is. Typical America were drinking hot coffee leads to lawsuits. (Which doesn't mean i'm not sorry for the person, or that risks shouldn't be stated (more) prominently, or that insurances should be here)
FYI, this is a really terrible case to cite against "Typical America" unless you're trying to tear apart AirBnB, because it's a good example of a corporation trying to screw over someone they were found to have injured and held liable, as determined by a jury in a court of law.
Liebeck, the victim in the "coffee lawsuit", received third degree burns to 6% of her body, required skin grafts, etc, it's not like someone just scaled their hand due to a splash or something.