It is a clever idea and not just for people involved with those miserable HOA's but for those living in apartments or other tight places where an outdoor antenna on a tree, tower or roof is not an option and, the less people know about any radio operations the better.
What does make me laugh about these HOA's is that by forcing hams to resort to restricted and less efficient antenna's at ground level they are opening themselves up to some severe RFI being that the point of radiation is going to be much closer to people and susceptible consumer electronics devices.