HOAs are the most local form of democratic government that most Americans interact with. They have an elected board, which you can run for if you're a member (

HOAs are the most local form of democratic government that most Americans interact with. They have an elected board, which you can run for if you're a member (owner), and an amendable constitution. In every state that I'm aware of, you have full access to the budget and all meeting minutes. I've even seen recall elections and funded campaigns. Democracy is never perfect, but for any place where I'm living in close quarters to my neighbors (e.g. not in a rural area with 20-acre lots) I'd 1000x rather an HOA than either anarchy or some builder-run "committee."