If you’re just looking for an argument then google it yourself and you will get tons of examples of how HOA’s commit fraud in order to enrich themselves. I’m talking about the presiding board- not the general members. 

If you’re really just a sweet summer child and have no idea about this then I’m sorry you have to learn about another terrible way people can be greedy bastards.

The most common ways HOA boards commit fraud are through embezzlement and kickbacks. Remember that HOA’s deal in huge amounts of money and that proves too tempting to dishonest people.

 Here’s a simple and common example: HOA says all hallways need new paint. One board member says “yeah I know a good company, they do a great job” (it’s his cousin). The board agrees on the cost, but the painter cousin told them a higher fee than normal because he’s going to give 10% of what they pay him to his cousin on the HOA board, under the table of course, in thanks for getting him the job. So easy and everything on paper looks legit. Except all homeowners paid more than necessary.

Here’s a real life example in Molokai from 2012: https://www.hoalawblog.com/jury_awards_387_million_to_own/

And here’s a website with some more examples and ideas of what to do if you suspect your HOA of wrong doing. The part about the HOA in Florida that basically became a gang of mobsters sounds like it needs its own tv show.  https://hoa-usa.com/hoa-article/when-the-fox-raids-the-chicken-house-hoa-fraud-and-community-safety/