The OS Android utilizing the 3G network, T-Mobile requiring you to go with the unlimited data plan if you have the phone. With the OS being open source, what is preventing someone from developing an application that would utilize a VoIP service and the unlimited 3G network bandwidth to allow for unlimited minutes?
(My guess is that because the coding is in Java, and Java doesn’t have the power to create such an application. Anyone else care to explain if I’m correct in this?)

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Nothing. I talked to a T-mobile salesperson and he told me they expect a version of Skype out soon that will be able to do just that. However the phone is not UMA enabled, and that apparently requires hardware, so there is not way to hack that.