Tell you what... You think this is a brilliant way to make money? Open your own bank. It's actually legal (and relatively easy) in this country. It's a good time to open a small bank, too - people are sick of the big banks. Find a backer and let them know that there's this underserved banking market out there. I'm sure you'll find plenty of takers if the idea is a good one.
But, in general, the main reason a banking service isn't offered to you is because the service isn't profitable enough to offer it to the market you're part of.
I would second this. Seriously, if someone were to start a geek-friendly bank, with reasonable terms, I would seriously consider using it, and I've got quite a few friends who would as well.
The issue, as mentioned, is finding a backer. To open a bank, you have to have a certain amount of cash on-hand, and that's where the sticking point comes for most of us, otherwise we'd all open banks.