More of the critters arrived to join the party, so they're now in buggy heaven (thanks to a few shots of Sevin). Although they couldn't hurt the hibiscus since it's finished blooming, they were right beside my confederate roses (that are now as tall as the house). They haven't started blooming yet.

Anyone know what they are, or how to kill (without harming the seed) these tiny beetles that bore a small hole in the seeds just about the time they are maturing ?

Certainly not a love bug. It's a perfect image of the hibiscus sawfly, busy laying eggs on your plants. Those eggs will develop into green caterpillar LOOKING insects (not a real caterpillar) that will begin eating your plants. Hand removal of those little guys will do the trick, just keep your eye out for them. If you had a zillion plants and a swarm of these larvae, I would tell you to use commercial insecticidal soap for control. Quite safe for use around animals AND you! Here is a link that might be useful:

sometimes that happens if the flower doesn't develop just right. i have a few of the tropical variety that simply don't produce pollen... also the sun tends to fry the pollen if it gets hot...and I also run afoul of pesky critters that cause the pollen to not develop correctly.