Same as all politics: it's a shared cost, but somehow I benefit more than you do.
Also, they are often corrupted by corporate influence.
Additionally, my statement was more generalized view of how it could be used, obviously if a homeowner finds themselves in this situation, the strategy would be to gather neighbors support and demand it to be changed or just do a hostile takeover of the HOA.
Why on earth would I willingly give up the rights to do what I wish with my own property as long as I follow city codes?
...and no, 'property values' don't cut it. I don't even consider my home when factoring my productive net worth.
HOAs are too small to attract good people to run. (nations are too large and attract tyrants)
With an HOA, the very land your home is built on has this sort of lien via a “special property assessment” and you are subject to their policy or risk having your home taken in a 100% legal way. My electric company cannot do that to me.