This is depending on the travel operator you are booking with. It´s an industry fact of this niche of travel. Most of our partner accommodations are small and have only a few rooms for rent. Therefore it is substantial for them not to have "fake" reservations which could have been sold to other guests and at the end do not sell the room at all.
The payment and cancellation policies are individual to the travel operator you are booking with. They are shown within the operator´s listing. The contract for your reservation is solely between you and the operator.
This depends on the travel provider.