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RE: Airbnb is cheaper to pay in the local currency of the country you travel to
Yeh I agree there is a lot of friction, bank try to reduce their risk, and have to pay their staff and make a profit.
The hassle/risk of cash is losing it if you leave your wallet behind somewhere or (hopefully only) a low risk of theft, but the risks of having cash is probably worth it to make your money go further and lose less money to fees.
Yeah my wife had around $800 stolen on our trip to Japan while we were on the plane. That was an expensive lesson learnt lol.