You might be thinking of the UI as of a month ago. They've updated it last month and botched both the look and the experience, that's what this thread is mostly about.
It's a quick read and an interesting peek behind the curtain at Apple during the development of the iPhone, with a focus on designing elements like the keyboard and predictive text.
What I took away from it is that the design decisions at Apple are in the hands of a few. The chain of command is small, it takes countless iterations until it "feels" right and you obviously can't consult with too many people when it's a secret project. A/B testing is out of the question.
And I'm usually a defender of most interface updates, I know most people resist change especially when it impacts their muscle memory. But I think that change is good for the brain.
That being said, the new interface is terrible. So many things now take 3 taps as opposed to one.
I wonder if Tesla made the mistake of using A/B testing instead of vision-driven design like Apple. (Side note, just finished reading "Creative Selection" by Ken Kocienda of Apple, an interesting read on Apple's approach to design and why it is so successful as opposed to Google's).
If you sell something through Amazon and the buyer commits fraud, Amazon will still pay you provided that it was credit card fraud.
If you sell something on your Shopify store and integrate with Stripe, you are responsible for your KYC, and will have to take a loss for fraud.
The former takes a larger percentage of your sale for handling KYC, while the latter lets you keep more, but you're responsible for KYC.
The problem with Upwork, Airbnb, etc. is that they act like the merchant of record but not when it comes to fraud. They try to pass that onto the seller.
It is the same with Airbnb. The platform does not allow you to perform your own guest verification, there isn't any fraud detection score that you can see (like Stripe Atlas would have), and worst of all the full name on the account can be changed at any time without additional verification. So as a guest you could create an account on someone else's name and book using their card, then change the name to match your ID before checking in (in case the host does ask for an ID) and you're all set.
When this happens and typically some time after the guest completed their stay, you receive an email from Airbnb saying "Problem collecting payment for reservation [XXX]" that explains how Airbnb will do their best to collect payment but they are not obligated to.
Basically these are platforms that will give you no choice in payment processing, but will also take no responsibility when it comes to fraud, nor give you any tools to fight fraud.