HOAs are much better, not worse replacement. If I don’t like HOA rules, I have more ability to affect these than to affect county, state or federal level rules.

HOAs are much better, not worse replacement. If I don’t like HOA rules, I have more ability to affect these than to affect county, state or federal level rules. I can also vote with my feet by moving out of HOA, to a different HOA or even to a place with no HOA. Moving out of county, state or country has significant higher cost, which is higher the bigger the administrative unit is. In short, for any given problem with HOA, municipal/state/federal government has the same problem, and in fact it’s worse there.