Edit just to clear up: I don’t have a positive or negative opinion on HOAs. I know next to nothing about them. They’ve just been mentioned to me a few times by family members recently and I asked about aspect I didn’t understand
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Think of an HOA as a mini city. If you choose to live in this city, you pay taxes/fees into a pool of money that elected officials then use to improve and maintain the city. Those officials will also make and enforce laws/regulations that residents need to follow.
You wouldn’t move to a new city and just opt out of paying taxes or following that cities laws, so the same holds for HOAs.
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