HOAs were created because racists didn't want black people in their neighborhood. I fucking hate HOAs.

I don't have an HOA but my property operates under deed restrictions that limit property owners in meaningful ways, establishing usage of the wells, easements, number of structures and so forth.

One of my neighbors repeatedly referred to herself as "the head of the HOA" and I told her she needed to stop saying that because we don't have one. I didn't say as much but I would hire an attorney to send a C&D if she were to keep that up.

But an HOA is just letting your neigbours tell you what to do? That’s lame.

Sure, but there's a chance they could become the ones fucking their neighbors over for cheap thrills! That makes it okay! /s

HOAs vary a lot. In my city, every new development has one as a condition of getting permits from the city. That's mainly because cars and their infrastructure are stupidly expensive, the city just can't afford to maintain it all without raising property taxes. I have friends who live in an HOA neighborhood, and basically they just pay an extra monthly bill to cover snow removal, maintenance of common areas, and such. For them, it's nothing like the horror stories of HOAs that can take your house if your mailbox is the wrong color. It is just a group providing services that the city can't afford anymore.

"With freedom and justice for all who can afford it."

I bought a home built in the 90s that technically had an HOA because the town required one when the subdivision was built. The HOA was defunct until 2010 or so when someone wanted to add an addition to their house. They put in for permission from the town. Town said "did the HOA approve it?" Homeowner went "HOA? Oh, I guess we should have one of those." After that, the HOA existed to rubber stamp home additions and send out email reminders to get your septic tank pumped. No fuss, no fees.

Current home is a condo with a shared roof. HOA is much more hands on and my biggest complaint is they suck at communicating expectations. Like, I'm fine following rules. I'm autistic, it's kind of my thing. Just tell me what they are before you yell at me for breaking them. (note: I'm easy to yell at because I have a history of abuse, yelling is more a tone of voice than a volume thing.)

On the other hand, anything outside my walls isn't my problem and it's way cheaper than renting was. And I go to the monthly meetings.