Has no one come across what I posted about above (post #30)?

What I'm seeing is the 3% fee CAN be avoided.

Here's a listing that I just used to check this:
https://www.airbnb.com/rooms/750410?s=JRZ3

When my account is set to EUR (and my home address is still the US), and I'm on the payment screen, it shows the costs only in EUR with absolutely no mention that this amount will be converted to USD.

And since this is an Instant Book, by clicking on the Submit Payment, I'm authorizing my credit card to be charged in EUR.

So the fee is seemingly avoidable.