Programming is much more meritocratic.
Are you certain? See http://openwetware.org/wiki/DIYbio/FAQ/News
In general, though, we're still chasing the long tail of knowledge. Nobody's going to build a cutting-edge particle collider, space probe, or Inca ruin in their spare time.
Arguably microbiology is a lot more like computer science than other experimental sciences economically, at least in certain respects; for example, once you've got something interesting, you can probably execute a fairly cheap reproductive process and get a whole bunch more of it. (Well, this is cheap compared to reproducing a particle collider, at least.)
Fun to think about.
Doing research in biological sciences often involves millions of dollars of funding and just isn't something that can be circumvented. My girlfriend is currently pursuing a PhD in Neuroscience. Studying that brains of hundreds of animals isn't something that I'd want her doing in the kitchen.
Learning from others is important, as is having a team to work together on hard problems. If your study requires something being done every hour for 72 hours straight, one person can't do that. Not everything can be automated.
Studying something that's controlled by the government and/or dangerous is impossible outside an academic environment. Getting plutonium and building your own nuclear reactor at home is generally frowned upon. Studying smallpox at home is generally frowned upon. Getting a DEA license for legal drug research is frowned upon. Conducting medical research on humans without an oversight board (and medical support, consent, etc) is generally frowned upon. Most animal supply places won't send hundreds of genetical engineered and bred mice to your apartment.
This isn't a slap against you, but its clear that while HN understands engineering well, they don't get science for the most part.