Yes, but what if Airbnb is unable to collect payment within the last week and then cancel the booking? Let's say, 6 days before booking? Would Airbnb cover the other half of the payment (since based on the strict policy, the host is entitled to full payment)?
My apprehension is that they may try to collect on the last week and then if unable to collect, cancel 7days before, just within your cancellation period. Doesn't this setup kinda encourage last minute cancellations?