@jayles: Those sentences use "past" tenses because they are incorrect. They should read:

"It is high time you go to bed."
"I would prefer that you don't come with me." (rather is not a verb)
"I wish that bank accounts would come with interest-free loans attached."

Those sentences you submitted would fall into the "common usage" column. We hear usage like that regularly and so it sounds correct, even though it isn't.