I, for one, would love to see a Frankenstein adaptation that was relatively faithful to the source material! I do think you're right, btw–Frankenstein has more in common w/Terminator than it does with zombie flicks.
I'm a bit confused why you say Terminator is “so much more evil.” I'm not convinced the movie was “made to make money.” I mean, it was–but I don't think it was necessarily a calculated investment that no one cared about, with the sole objective of making a buck!