We've had all sorts of wild issues such as building scaffolding on top of balconies (not attached), ripping up common area plants, parking issues (we all have garages, street parking is guest only), drying food on the pool deck (really), dumping garbage bags outside in the common area and more. If we can only levy a $100 fine there's little incentive for some people to stop doing things that impact the community.
I do cringe when I hear about these crazy HOAs of what are usually a collection of single family homes. I think a better approach would be some kind of limitations of the what HOAs can have rules about vs the penalties. Interiors of homes should be generally off limits (aside from townhomes that are all technically 1 building, so you should not be doing anything structural without approval). For single family homes with private property surrounding them I'd rather there be limits that are purely for safety, legal reasons or impacting common areas.