Your skeg line is wrapped around your rudder line.
Mine was doing the same thing. Very tight steering when skeg was up.
Stick a smart phone in the hull and take pics of the metal steering throw inside the hull. Work your way back to stern with pics and you will find the problem....you want the skeg line above the steering crank and free of any wraps from there back.
Hobie really needs to work on their quality control.
The only way these wraps can happen is from being routed wrong atbthe factory as the only way to fix them is to reroute the line which is wrapped. As you can see, I had both the skeg tension line caught under the steering throw and a wrap right behind the molded in rod holder.