Classic startup dilemma - when to ask for the umbrella?

There's an old saying that you should ask to borrow an umbrella when it is not raining because when it is indeed raining nobody will lend you one. Having started north of a dozen companies on 3 continents I can verify that this is true. My latest venture, WrapMail, is looking to raise some money and it is not raining so to speak. In this effort (which we yet have to put focus on as building the business takes just about all available time) I've come across some interesting responses:

Bank: If you deposit $1M with us in an escrow account (that you can't touch) then we would consider lending you $1M. Does this make sense to anyone? Assuming I have the million why do I need the bank for this exercise?

VC: Why don't you build the Sales Team and get to cash-flow positive and then we'll talk. Duh - this is exactly what we would use most of the funding for.

I have many times been on the other side of the table and I view it as one party has an idea and people to execute a part of the way, the investor has money. The risk is always high at these levels where there's zero liquidity in the investment so one tries to balance that risk looking at the validity of the idea, the potential, the team and the potential exit strategies (liquid event). Then, in my case, I jump or I don't.

There's always the old fashioned way of building the business with blood,sweat and ones own money (which I am doing currently), it is less dilutive and a great feeling when success is established. However, it is normally a slower process and being in the viral internet advertising space SPEED is Job 1.

I guess we plug on, the more no's we get means we get that much closer to a yes OR better yet success without sharing.

iPhone - what's missing?

Got the latest iPhone and yes, it is better with 3G. I still do not like the fact that these phones are locked so I cannot use other SIM-cards but that should go away next year.

So, what's missing?

Why can not somebody make a cell phone that becomes a complete mobile device that contains every function one use other remotes or methods to transfer data? Here's what I'd like to see my ONE device be able to do:

Phone
Remote for any electric device (from my TV to garage door)
Credit/Debit card - this way a code must be punshed with every purchase (there goes a lot of the fraud in the garbage)
Vital data (Drivers Licence, Health info etc etc)
Frequent Flyer cards
Internet/Browser
TWO SIM slots

I basically want one device that contains everything in my wallet, acts as a phone and a PC and replaces any other remote device.
Security will be important so it needs to have information be protected and also store vital information online somewhere for retrieval.

The iPhone is as close as what I've seen and the technology to do everything on my whish-list is already there. I would think especially banks would love to drop the physical credit card and replace it with the one stored in my cell that requires a code on every purchase.