American cities are not largely failed states and no I can’t think of anything like what you are suggesting. The laws we have in my very average city cover the issues I would have with my neighbors. Personally I appreciate people being creative and have housing designs I might not choose. People storing things on their property is fine as long as it isn’t a health and safety issue.

Also since my city is a democracy with vibrant civic engagement, if I thought a law needed changing I am pretty sure it would be fully debated and considered. What I have heard from friends who have lived in HOAs would suggest that I could not be confident the HOA board would give a crap.