that it is a ticking time bomb.
I fail to see how. That barely keeps pace with inflation, IMHO. In fact, I don't think it does. Better minds than mine, to wit Edicted, have thoroughly detailed why 20% interest on HBD savings are not any kind of threat to Hive, and you could have a look at his catalog to see his posts about it.
However, I agree with the statements you make about HW. Frankly, as long as they're opinion flagging I reckon they're Hive's enemy that is preventing the price of Hive from mooning. Without free speech, Hive is without value whatsoever. Whales flagging creators for their opinions reeks worse than skunkwater, and we should be supporting the victims of that censorship as I do with donations that cannot be flagged away so that the censors give up.
I, and I'm sure you also, want Hive to be a better platform for free speech than fakebook or twatter, that egregiously censor. Hive isn't a better platform for free speech or it would eclipse those platforms, and the only reason it isn't is opinion flags like those HW flies on content creators that aren't spammers, scammers, or plagiarists.