Some will say it's control.
That's possible. Usually the way HOA's work is that they help homeowners act like adults. I do not live in an HOA, but several others in my family do. There's some good parts of it:
Someone isn't allowed to keep their rusty De Soto collection on their front lawn.
Someone isn't allowed to run a pig farm on in their backyard stinking up the neighborhood.
Someone isn't allowed to paint their home bright pink with purple polka dots.
Hobbyists are not allowed to stick up a 100 foot tower with a beam antennas on their 60x60 foot lot.
Some HOA's maintain common spaces, like parks, swimming pools, trails, etc. That's a good thing in some areas, and people actually want that.
Case in point:
My sister lives in an HOA. She had no issues having her house painted. No one dictated the color choice, they only wanted to know she wasn't going to have it painted bright pink with purple polka dots.
My dad was on an HOA board. Only time they had to get involved was when some neighbor decided to start storing his broken down car in one of the visitor parking spaces. No issues with cars in garages or driveways.
My brother in law is on an HOA board, and they made some changes that allowed people to put up fences since they are in a rural area and cattle roam on adjacent open grazing land.
People that don't live in HOA's and claim they'll never live in HOA's, are usually are getting their anecdotal information from the internet. Yes, there are bad HOA's, Not all HOA's are bad.
My problem with HOAs is essentially monetary.
I already have to pay taxes to the government for the privilege of them telling me what to do. I don't like it - I think the tax bite is too large, and I think the government does too damned much (leaving aside the stupid and/or contradictory laws that needs to be struck out of hand.)
Why should I pay a "surtax" (which is essentially what it is, it's just not going to governmental body - just a quasi-governmental body, emphases on the MENTAL part. . .) so I am, in essence, paying THEM so THEY could have the privilege of telling ME what to do. I've got a problem with that, and I get enough of that from the government already. If you want to tell me what to do, then let's put the conventional employer/employee relationship back in place and YOU can pay to tell ME what to do, not the other way around.
My only direct experience with an HOA, I will admit, was about about 1988 in Lafayette, IN. I'd bought the house about six months ago (bit of a story on that one . . .) and some damned fool decided that - despite
every house that fronted the block being different! - they just
had to start an HOA. I knew everybody on the block, and they didn't want it, either.
The catch? They went around and put handbills in everybody's mailbox. No,
nobody, per Postal regs, is allowed to put
anything into a mailbox except US Post, and even then only from the box owner or the letter carrier. (At least, that's how it was then. I don't know if it's the same way now.) So, I called everyone and told them to hang on to the handbills. I ginned up a statement saying it was found in the Post box, and that the owner didn't put it there,
and it wasn't sent via the Post (no Postmark.) Then I printed up about 50 copies and took them around, collected the handbills, and had everybody fill out a statement and sign it. Used almost all 50 copies.
Then I went to the local letter carrier - we had one on the block, about four doors down (she it was who told me about the box reg.) I asked her if she could get me an appointment with the local Postmaster.
Saw the Postmaster two days later. Handed him all the paperwork. He said he'd see to it - whole meeting took about a minute and a half.
I am given to understand the fine for stuffing things in Post boxes at random is fairly steep - and they got hit with it about 45 times. So much for the HOA!
Now, this was in Northern Indiana. No HOA. No problem with leaving rubbish out (we put it out in bags for the guy on the back of the truck to swing in,) no cars on blocks (if we saw a car on jacks, you'd probably have someone come around to offer help,) and the block was kept
neat. Because we wanted it that way - we didn't need an external body (I didn't care about the value of my house - I bough it as a home, not an investment. Ended up signing it over -
gratis - to my mother when I paid it off about six years later, sucking up every loose nickel I could fine and making a load of "Principal Only" payments to drag the backend of the Note closer.) So, I didn't get anything out of it except a place to live and work (and, on occasion, sleep. Granted, the entire year when was 16 turning 17 I wasn't home, but that's another long story. The phrase "shacked up" comes into play - but it was legal, age of consent in Indiana is - or at least was - 16.)
But, I digress. Not everyone wants an HOA, we can mow our own damn grass every weekend without threats of fines. I
like being able to work on my own vehicles (it's just gotten difficult to the point where my doing it for someone else is rare.) If half the house is grey and the other white because I ran out of daylight - go away! I'm
going to finish the job, I just need to be able to
see when I'm painting.
I view HOAs as being like overzealous babysitters watching over people they
think are all four years old. I haven't been four years old in 50 years, I don't plan on going back. Being potentially saddled with CC&Rs and/or deed restrictions is bad enough. (And if there
is a deed restriction or something like that, there had better be a
damned good reason for it!