HOA is more like Democracy: you have to participate in the meetings and governance of the HOA to make sure it is run well, but people are often too lazy to vote or be informed, so it can deteriorate. The HOA isn't an independent entity, it is supposed to be collectively run and managed by all of the home owners.
It's not about being lazy. It's that (like government voting) people try to confuse and mislead you with HOA voting, too. Like they bundle a bunch of things together and try to sell you the changes you like, while burying the ones that hurt you deep inside the text so you don't notice them. Or making the rules obscure enough that you don't realize their full implications until it's too late. Or, when they come to your door and ask for your vote to changes to the HOA rules, they (at first glance, quite graciously, with a smile!) request that you hold off on voting so they can discuss your concern and find a way to incorporate it into their changes... except it later turns out the package is all-or-nothing (changing it would invalidate existing votes!), and their real intention is to prevent you from voting against the initiative until the deadline passes, so that they could gather the minimum number of favorable votes more easily.
The HOA can hire a property management company, and the builder usually sets up some kind of contract, but after the builder is out of the way, the HOAs are always run by the home owners.
