No, the great thing about America is the illusion of choice. A or B? You get to decide! But the joke's on us because A and B are both owned by the same parent corporation, so either way, you're losing. In the case of HOAs and housing development, good luck finding a developer who's not going to make housing with an HOA. Why would they not have an HOA? It's in their interests to have one, so all the options end up having one, so then you don't actually get to choose to not have one!