She is literally a dictator, the hitler of the avatar world. She is the most underwhelming villain in terms of physical involvement - but that doesn't make her underwhelming in general. She has an entire nation on her side and is planning to spread it towards everyone else. It's like the inspiration from this book was directly from WWII
As for Bolin, toph has been way more creative and invented metal bending at the age of 10 or however old she was (like 9 or something) age really isn't an excuse. Young people have the most creative minds in the world- an open book - while the older generation are stuck in their ways. Bolin should be breaking the boundaries more with lava bending instead of just leaving it at lava bending.