One could make huge profits and even grow their HIVE stake a lot if they wanted to reinvest in HIVE

That's just gambling. You're assuming the price of Hive is going to drop.
Again, gamblers lose 90% of the time, so that would be a disservice to the community.

We sacrifice much more in the name of "safety"

There is no intrinsic safety provided here. We could just as easily removed forced time-locks and implement opt-in timelocks for those who want extra protection.

I don't like these time-locks because they "add value" or "security" to the network. I like them because they promote responsible money management in addition to commitment to the network.