I used to think local government was the answer, but then after seeing HOAs in action, I believe all government is the problem.
Discussion
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I've never been part of an HOA, what is their ultimate leverage in the contract... Like I assume they can't evict people from homes that they own... Can they send people into debt collection or something if they refuse to pay?
They can take away any communal privileges like pools, clubhouses, etc. If you don't pay your monthly assessments, they can take you to court and get a judgment to garnish wages, etc. In some states, if the arears are large enough, they can actually put a lien on your home. In extreme cases, that can force a foreclosure sale.
Wow, brutal.
HOA not needed either. The most damaged neighborhoods don't have them because they're the oldest neighborhoods. The whole hood was out with chainsaws and sawzaws that morning, generators all around the morning after the storm.