This is bad advice. Are you my mother, lol? The majority of non-single-family homes have HOAs in Boston and the greater Boston area.

I was part of two HOAs where the residents met together and decided how to use funds or adjust the HOA fees and so forth. It was chill. We'd all gather outside and bring a few beers and talk through what we all that was needed and prioritize it. We divvied up work for those that wanted to do something and had them expense items against the HOA if they wanted. It just works as a shared savings account. It also helps to dilute the total cost of major repairs which is also nice. The enforcement of it was also up to the owners...

The better advice is to avoid having shitty members part of the HOA.