Now I don't trust HOAs but some of this is deceptive weasally writing.

> They foreclose on their own members, over debts that start small

There are members who refuse to pay special assessments or fees for the community. Given that's Flordia, theres an above average population that would believe "they aren't required to" even though they accepted it when starting. (yes there are abusive HOAs and there are non-sense fines.. and sometimes those nonsense fines come from people neglecting the property in a very bad situation)

It's your job to handle it when it's a small situation. Moving to the stage of liens takes more time to do that and then resolving that usually happens on sale or refinancing.