I own a home in an unincorporated area that also has an HOA, but ours is only for 3 things:

1. Yearly fire inspections (California)

2. Negotiating with the local trash company for service cost

3. Negotiating with the local propane company for lower cost

My super anti-government neighbors are still working to dissolve it, but it doesn’t even have any rules that aren’t “see county laws and fire code”, they just don’t like the $50/year fee

I’m aware my experience isn’t the norm, though

Or you can have communities do a better job of moderating that kind of thing