If the house is covered by an HOA, it's typically not optional.
And in some areas it's very difficult to find housing not part of an HOA. I think somebody mentioned elsewhere in this thread that all new housing in Phoenix requires an HOA.
The largest financial crime in the US pretty much every year is wage theft. Wage theft isn't the grand larceny of millions - it's small business owners shaving tens or hundreds of dollars off the paychecks of people who are too powerless to object and accept the mistreatment because it keeps them out of poverty.
This is an issue from the top to the bottom.
We romanticize it when it's punching up (like at a crypto company that's probably been responsible for bankrupting a whole lot of suckers) but accepting it as a virtue also lets all those terrible bosses bask in the glory of how "keen" they're being by shaving off a bit extra for the retirement fund but punching down.
It's hyperbole and good on you for calling it out, hopefully we'll see more shifts away from such behavior.
Here's a relevant quote on winxp's 'pirated' audio,
-- According to Benjamin Kern, attorney at Chicago-based law firm Gordon & Glickson LLC, the use of a pirated version of Sound Forge can result in a copyright infringement claim : "Other legal issues, such as patent infringement, trade secret misappropriation and contract breach may also be relevant, but copyright infringement is the most prominent," --
For when lead is smelted in casting the fumes from it settle upon their members and day after day burn out and take away all the virtues of the blood from their limbs Hence water ought by no means to be conducted in lead pipes if we want to have it wholesome That the taste is better when it comes from clay pipes may be proved by everyday life for though our tables are loaded with silver vessels yet everybody uses earthenware for the sake of purity of taste.
if you don't want to join an HOA....
you don't join an HOA?