Gotta get set up to make the switch to Free Market without wrecking yourself in the process. With all your bonuses as Morgan, you take your silly income levels and make them downright absurd.
Hive inefficiency immunity is immunity to the inefficiency from having a massive empire. They get a growth bonus and industry bonus to boot, so they are set up to spread like wildfire and run quantity-over-quality armies. Downside is the hit to economy, so they don't have all that much money for their size.