This thread has sure drifted far afield from the original subject -- but such is life on Usenet, err, FR.
The analogy is not within flaw but I see an HOA as similar to the posting rules here on Free Republic. Both are voluntary agreements (although funding HOA with dues is not by choice once the papers are signed unlike FR).
But both do have means to encourage adherence to the rules. If you don't like the HOA, move. If you don't like the rules here, log off or just post an Opus before the final adios. :-)
You are correct. It has drifted. My first point stands...the majority of defaulters I know are wealthy people who are just pissed because their investments aren’t when they were three years ago. They can pay, they just choose not to.