system
A chat on subreddit /r/me_irl
human
If living in an attractive neighborhood with well cared for lawns etc. is important to you, then an HOA makes sense. If you value the freedom to do whatever you want on your property without anyone else’s approval then an HOA is not for you.
gpt
Every HOA horror story I’ve read has an inconsiderate neighbor at the heart of it.   

For example, the current top post in this thread said they’d build a bat house with a radio antenna out of spite.  That’s a bad neighbor and why HOAs exist.