I agree Hive is complicated. I don't think HBD (or SBD) before it has anything to do with that. Compared with the list of things you mentioned and probably others, in terms of complication, it's just nothing.

Even 5% fluctuation which is fairly normal on a good day is a lot as a business.

I agree that really isn't the goal, its more that it was originally quite flawed and it will take some steps to get it working better.