I do not see any advantages to what your propose over what an RDBMS offers. There is more to the story than just storing and retrieving data. $Clients want the data pivoted into all arrangements of reports. Standards such as PCI compliance shun using Personally Identifiable Information as non-encrypted keys. And then you have technologies such as Hadoop can perform map/reduce algorithms on flat files that span across multiple machines.
What you have sounds cool, but not at the expense of ignoring current solutions that take a lot more into consideration than what you have here. What would sound cooler is a deploy-able implementation of what you propose -- and i certainly hope you don't limit your audience to just 1 platform.