Where do you (personally) draw the line at material harm...? We already have a system (the courts) for redressing material harms.
Many HOA bylaws (house color, RV parking, minimal landscaping requirements, etc etc etc) aren't material harms. They are "harms by association" -- e.g. my house value goes down because you have bad taste in paint colors. Hence "Home Owner Associations".
I think some are misinterpreting my post as being in favor of HOAs, but actually I am saying that if someone is not doing something outright illegal I’m generally in favor of them being able to do it.
> We already have a system (the courts) for redressing material harms.
Laws are a baseline. People can build on top of that. Just like there are laws that define what should happen when a couple divorce, many people will sign a prenup to add extra rules they mutually agree to that not EVERYONE would agree to, for each other's benefits. You or I certainly don't get to decide what's reasonable or what's silly in someone else's prenup. HOA bylaws are just a bigger version of that.
Many HOA bylaws (house color, RV parking, minimal landscaping requirements, etc etc etc) aren't material harms. They are "harms by association" -- e.g. my house value goes down because you have bad taste in paint colors. Hence "Home Owner Associations".