> 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.
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.