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'Well, why not the same thing for an HOA? Nobody held a gun to your head to move into a property that's part of a private collective.'

Exactly, and that's the difference. Nobody held a gun to you head to move into the HOA collective. You knew the terms and consented to them when you moved in. Conversely, you are held to the laws of the state by the force of, ultimately, guns.

Aaand, there it is. We now have the argument I predicted Rand would endorse given apparently in earnest.

I'm not a randian, so I can't speak with complete accuracy to what she (or objectivists) would argue. Personally, I would question the morality of such a contract. There could be problems if the HOA changed the rules of the contract afterwards (because in that case it would be acting as a government).

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