RE: PeakMonsters return insurance!!!!
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I think you're going to run into the problem of holding people's cards hostage. You already get refunded the difference when it's canceled early. The real problem is that the person loaning the card out for rental cannot unilaterally decide how long the renter gets to rent it for. So cancelling the rental is literally the only way they can adjust that and it gives the renter the remainder of the 24 hour period to use it.
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Before there was insurance. It was fair enough. Each of the participants in the transaction made a deposit. If the tenant couldn't pay, he forfeited the deposit. And vice versa. In reality, I did not see any problems with the hostage at that time.
Yes, and your thoughts about the hostage are solved, for example, the maximum duration of the contract. Or, for example, the return of insurance at the end of the season.
In any case, this will lead to the fact that if a person wants to rent a card for 2000 Dec at the end of the season, he will set the price to the average for the season and no one will have to jump every day