Choice has nothing to do with it. An HOA agreement--e.g. the terms and conditions under which you have to contribute--is essentially a contract. Therefore, you are bound by its terms. If you were given the option to contribute or not, you could exercise that option; but if you own your home subject to a deed, HOA agreement, or other document which requires you to pay, then you must pay; you do not have the right to not pay as required by the operative terms and conditions applicable to your home. So yes, it probably is not fair; but HOAs and their kin (e.g. condo associations) are notoriously unfair. Unless they are discrimianting against you on protected grounds (e.g. because of your race, religion, age over 40, sex, disability) or violating the terms of their agreement, etc., there's probably nothing you can do.