I was going to post before the old site went down but here are my thoughts.
Dave (SOD) – if the cables near the house are actually 3 phase, installing a 3 phase service cable should be straightforward as you say. However, in the UK, any load such as motors and welders need to be considered to make sure that the starting current does not cause the voltage to other customers to dip outside certain parameters. ( to stop nuisance to others).
To do this, it is necessary to know the maximum starting current of motors and the maximum current of welders. Using the network impedances (ie HV network, size of transformer and length and sizes of LV network). Also the position of connections to other customers and the customer with the motors.
Depending on the existing network, it may be that the transformer and/or LV network would need to be upgraded. The cost of this would be have to be paid by the customer.
As far as I am aware, there is no reluctance to provide a 3 phase supply to domestic customers, it is purely an issue of cost. If a customer is prepared to pay, a 3 phase supply will be provided.
In the olden days (before suppliers and distributors were split), the projected income from energy usage was indeed taken into account, but not now.
Stuart