Made me wonder about 'service walls' which would be a pre-built piece that was incorporated into a regular build, but had wires/pipes/etc already built in. You could have a "spine" of a house setup like this, or like a hub, but that doesn't help power points or piping on other walls of a room.

So much of the hassle and cost is that we are building almost a unique house each time and everyone has their own idea of what they want in a house, or uses that unique aspect to express themselves.

Most wall studs don't have an outlet or a switch attached. Besides, wires come in from all heights, making the height for the hole of the wiring highly variable. Also people's preferences for switches and outlets varies (albeit probably not much).

You only need holes in certain places and they can be drilled in seconds. Electricians use specialized right angle drills called "hole hawgs" to drill them.

Some are. Especially engineered studs (like those which are closer to beams and filled with insulation) and joists. But holes are fairly quick to add to wood.