Sean--
You seem to be a rational person with a decent sense of communication. If you can't find money for your film perhaps you just haven't tried the right methods.
Have you looked at the Nevada Arts Council?? The Reno Film office?? Have you tried a fundraiser?? Have you written the killer script and put together a truly professional proposal?? Maybe it has less to do with you and more to do where you are??
There are a ton of different funding sources out there--Your pockets are only one. Use the power of the internet to find some that are close to you.
Good Luck
