I think you've answered your own question: probably never. Because whatever company would apply said commoditized data science would have the same incentives as Tinder and the rest.

So except for some "open source" or otherwise "community-driven" effort, I don't think we'll ever see it.

The issue with setting this up in your garage is that for such an app to work, you need to have many users. And to have many users, you have to spend cash on marketing, etc. So you have to be able to get that cash back somehow, and then some, for your efforts.