Exactly, but funding can mean no fees to help onboard new customers for the first few years. As I get closer to Series C in 5-6 years, then yes low fees maybe likely but still less than airbnb.
Hope you're going to be clear and upfront about this to your users, not hide it in the small print.
Because otherwise you're going to have lots of justifiably pissed off people posting severely negative reviews everywhere the day the paywall goes up.
Bait and switch is never a good look. You might get away with it if you are excruciatingly clear and upfront about it, I still wouldn't encourage it though.
Why do you believe you'll be able to charge less in fees? At this point you lack the economy of scale, which at least seems to suggest your fees could be higher for a period of time.
Could you share more of your thinking into costs & profitability?