I have been suffering extreme stress due to the po...

I have been suffering extreme stress due to the poor customer service I have received regarding a refund. I booked a home for August 19-23 with a hostname Quan. I have been told that our half payment of 1358.60 is totally non-refundable because it was not canceled in 48 hours.
The cancellation policy for 48 hours needs to be revisited and revised because it is only in favor of the host and not the customers. I feel like it is robbery for anyone to TAKE 1358.60 from a hard-working family with no service rendered. I completely understand a service fee or deposit, but 1358.60?
The wording is not clear or concise. It should also be rules for bookings over 500.00 to avoid situations such as these.

Also, there was an attempt to charge the remaining balance without my consent. I was not notified that this transaction was made in error, but it failed despite the attempt.

I was recently told that because I paid half I do not receive a %50 refund. Leaving the customer with nothing and the Host with an additional 1358.60 of services not rendered. This is a travesty and needs to be corrected to be fair to both parties involve not only Airbnb and the host.