You are completely correct. You are also correct to bring this matter to this forum, to make it seen and heard and to warn the community. The reason some of us answer in, dare I say, dismissive ways, is not because we are not angry alongside with you. We are. Some of us however are also cynical, disappointed, and already defeated. We have voiced concerns and we have voiced wishes over and over again, and even simple, no cost solutions, are not being made - let alone bigger ones.
THS can not give my personal details to a HO who accuses me of theft. They can not legally do so. So they never will. A court can order THS to give my personal information to them, but there are legal limitations to when a court can ask for that. Personal data must be protected by law (even though we so willingly feed it to tech giants).
I would appreciate THS letting hosts (and sitters) know that if something goes south, they will be on their own. THS will never inform us about that in cleartext, as it is bad for the business. THS is on it´s own side, never on the side of sitters or hosts.
It is far easier and cheaper for them to deal with complaints (meaning not deal with them, just offer some words and move on). Even public ones like this here, on on trustpilot, or where ever online are just a drop in an ocean. There is much more positive buzz (especially because if you lure others in, you get free months yourself - the incentive for bloggers etc to give THS glow is deep). There is also always the hoards that defend THS with “its your own fault” and “you are probably a fool/lying” and “I am just good at choosing sitters/hosts”, which muddies the waters. None of that is true - statistically it is very unlikely that one faces serious damage trough THS, as most people are trustworthy - so it is just a case of bad luck, who faces the non-trustworthy user.
But that general trustworthiness has nothing to do with THS. THS just cashes in to us being socialized to be nice, coming from enough wealth so that we can afford do be nice, and the internal, carefully curated and created pressures of competition and reviews that guide our behavior on the platform. Not to mention that we really are the human_kind - humanity has survived since the dawn of our time because we are pro social species.
When tragedy does strike, THS can not take accountability, as that would be a bad business move. I dont recommend living cynically. I am suspicious of all corporations, so I never thought that THS would have my back. But when that actualizes, I am still sorry to hear that, and sorry for whoever is in the receiving end.