If you believe that is a serious concern in your area, get bars for your windows. There is no shame in it, I've lived in numerous buildings that had barred windows.
However I suspect that most people don't sleep on the ground floor (either in a multi-level house, or in an apartment building) so for them this should be less of a concern.
Well, is your area a dangerous area? None of the homes in high crime neighborhoods I've lived in have had HOAs.
But if you're actually contending with both at the same time, there are window bars that are placed inside the window, not outside.put the blinds between the window and the bars, then crack the window open and get some airflow.
Or hell, install a fan in your attic, the way people used to before AC was ubiquitous. Bedroom ventilation is not an unsolvable problem. If you really want a solution, you can find one. If you want an excuse to have no solution, I'm sure you can find endless excuses too.
Yes I considered that and I was curious, so I looked it up. It seems the federal government estimates a lower bound of 25 people injured or killed in fires due to bars on windows every year. All things considered, I think that's not so extreme, although the risk should be weighed against the relative risk you believe burglary poses in your neighborhood. 25 per year is several orders of magnitude lower than the number of victims of violent crime stemming from home invasion, although many neighborhoods will not embody those averages.
There are other solutions as well. Many window frames are designed to permit the window to be cracked open but not opened fully, to prevent ingress while still allowing egress (either by disengaging the mechanism or by breaking the window if necessary.) Such a mechanism can often be retrofitted to an existing window frame for no more than a few dollars. I've seen people create their own using a short length of dowel rod placed such that it prevents the window from opening fully. There are also a variety of purpose made mechanisms on the market.
These mechanisms are not as secure as bars on windows, but about as secure as a normally closed and locked window. The payoff for less security is enhanced aesthetics and fire safety.
There are many reasonable solutions to bedroom ventilation.
