I have a lot of difficulty falling asleep (exacerbated by even the most comfortable of earplugs), and a decent amount of difficulty staying asleep once I do. It is absolutely not unreasonable to expect that people adhere to low noise levels at night. If you want to stay in a place where people are exploding things outside your house, knock yourself out. You are certainly in the minority.
We would be completely unable to survive in the world that you so casually dismiss.
I would encourage you to be very careful in choosing the kind of world that would be turned into your own personal hell.
Err, right, that's pretty much what I said in my post. Please don't run to legislators and banning HOAs.
Or your could tell your partner to stick earplugs in the baby's ears and see what happens...