The board of the HOA would either make the contracting decisions directly or turn them over to a professional management company. Any financial shortfalls caused by defaults on HOA dues could only be passed on to other owners if the dues were changed or a special assessment passed. That would typically require a vote of the association to approve. So it would depend on the attitudes of the owners in that building. They might prefer pay more to keep all their amenities, or they might prefer to cut back to avoid an increase.