Agreed. We have lived in an HOA neighborhood for +20 yrs and very much enjoy the "insurance" the HOA rules provide. We don't have broken/junk cars on the street or yard, neighbors with a large collection of hunting dogs, or houses that have been encased with shrubbery because the owner cannot/will not do lawn maintenance. Also, our HOA dues provide for a neighborhood pool, pond, walking trails, etc. All cleaned and maintained by our HOA funds.
Take a trip 15mins away to a non-HOA neighborhood and you will quickly see all the above (other than the pool, pond, etc). It is my belief most people will take the least path of resistance, and without some sort of community rules in place, nice neighborhoods will end up like the wild-wild-west.