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Well, the serious answer is because they also tell your neighbors not to be dickholes. Nobody likes the HOA until they find themselves living next to a hoarder with dead animals in the yard and a 15-foot Nazi flag nailed to the roof. Even if you tell yourself you could just ignore a neighbor like that, the reality is you could never sell your house with that guy next to you.
HOAs are fine as long as they're run by reasonable people without a vendetta. But I have heard a few horror stories where one board member starts using nitpicky bylaws to harass average folks no one had a problem with in the first place.
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