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How do people not understand this? Don't pay your bills, eventually they come after you. It's not "Brutal Gestapo Tactics"; It's the law.
It's pretty fucking simple. Don't pay your car payment or credit card bill, fall too far behind, they will put a lien on your home.
Is it excessive? Sure does sound like it. But usually there is a lot more involved. It's not like you fall $30 on your HOA and they take your house next month; It's a lenthgy process and if it gets to that point it either means the homeowner is a complete ass or has ignore multiple warnings.
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