Can't agrue with the gist of your posting, house churches are the biblical model, but sadly it will be slow to catch on here, to use a Wolfgang Simson analogy. It is like someone has been making Xerox copies and no body never questioned to see if the original copy is the right one.
The current, pastor, building centered ministry with a de-mobilized laity that meets for special services was the model they told me to run with out of Bible College, but as I go older I questioned it effectiveness.
Pastor-limits saints ministry and makes them passive with three goals, pray, pay and obey.
Building Centered-leads to the idea that much of what God does only happens within the four walls of a designated building which limits God doing anything or very little outside of that model.
Special Structured Services-prohibits the
I Cor. 14:26 type of ministry from happening.
But alas, after reading this it only makes me depressed, longing so much to see this reality, but seems so far away, a pipe dream.