HOA does have what feel like arbitrary busybody restrictions, but they are also the authority that makes people remove the broken washing machine from their front yard and they are the only recourse in my region (when I lived briefly in a suburban house) for someone who refuses to do anything about their dog that barks 24/7 or flings trash into your neighboring yard. HOA fixed it for me on both occasions. The police certainly don’t care.

So people aren’t going to like the HOA. But they also offer essential recourse and order.