The Home owner association thing is so incredibly backwards and reactionary, I get the impression Crusader Kings 3 is just a white middle class neighborhood simulator 2022 or something.

The typical white middle-high income suburban experience of living in a McMansion and having to drive 45-60 minutes on a 10 lane highway just to buy a 6-pack of beer or something. If someone told me "you can come and live here for free" I'd still reject(it would be my last choice) because it just sounds like misery. I'd prefer decent housing anywhere else.