What if we had a killer phone-over-wifi app, to allow this segment of the market to take off?
It's called VoIP. The carriers do everything they can to kill it (to keep you buying cellular service for voice), but it's not like the technology doesn't exist.
Meta: My dad works on VoIP systems for BT and I was telling him he'll probably be on the front lines in a couple of years when mesh-networking (well he calls it a buzz word for peer-networking) takes off and efficient packet routing on decentralized nodes that could come on/go offline at anytime.
I've got a Motorola Razr Mini and, if I didn't have a case, the SIM card is removed by stabbing a fingernail into the volume control and pulling.
First time I did it, I was so surprised at the ease that I dropped everything.
A wifi only phone with a full size USB and a very small GSM thumb drive ... that would be workable. Also: fantasy.
OR: a normal phone with a GSM sim module that you could add/remove quickly, like a SD card - without opening the device.