Comment: 1. As you say, disagreements

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In reply to comment: 1. That's true, but of course (see in situ)

1. As you say, disagreements

1. As you say, disagreements between sovereigns are much more problematic (likely to lead to conflict and instability) than disagreements between entities within the same sovereign (the reason being that legitimacy matters, and entities within the same sovereign generally recognize the legitimacy of the structure of which they're both part). And that was my point. For the HOA arrangement to work, they need to be in some kind of confederation or association, with a rule-based mechanism for settling disputes between them. There's no guarantee they'll honor these rules, but they're more likely to avoid conflict with them than without them. And if the HOAs are part of a lager organization, then it becomes something like what I'm advocating: a highly decentralized (non-aggressive) government.

2. Gotcha

"Alas! I believe in the virtue of birds. And it only takes a feather for me to die laughing."