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It's really too bad there are few online printing sites that give you the ability to "print all over" without buying a large quantity of the product. | |  | |  | |
It's because that printing method doesn't work for "printing on demand". Too much setup involved to make it cost effective for the printer or the t-shirt seller to do one at a time.
You may find a
DTG operator that has a machine like a TJET Jumbo or another
DTG machine that can do larger prints that may not have the slick online interfaces as cafepress/zazzle who may be able to work with you on a one on one basis to do something similar.
Either way, it's just a fact of the business that those type prints come at a premium, and although it seems like every major brand is doing it, it's not as easy as they make it look. A lot of time and investment goes into that type of printing, and not all designs work that way.
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Most sites limit the space on which you can print designs on a shirt | |  | |  | |
You make it sound like they are intentionally holding you back

It's just a limitation of the machines. If they could do an all over print on demand, I'm sure they would do it.
All over prints are usually done with screen printing, and even then, only a handful of screen printers have made the costly investment in the specialty equipment that does those type of prints. With any screen printing job, there are minimum orders, and with this type of all over printing, the minimum orders are even higher because the process is much more complicated than just a "regular" t-shirt print.
Just trying to give you a better overview of what's involved

Hope it helps some.