It will be hard to find a Dice game with a RTP like that because the casinos need a house edge to make profit, other way they will earn cero in the long run and that's a problem because for them the casino represent a cost, they has to pay for the servers and the licence, and that isn't cheap at all, the last time i read about licence prices they was around $5k, but i don't know if that already changed.
You are absolutely right about license fee and server cost, but as regards to license alone, some casinos still operate with fake license or no license at all, so, lets remove the cost of license from the expenditure of online gambling casinos and focus more on those we are very sure of.
Aside spending on servers, several casino also have employees they have to pay salaries bi-weekly or monthly, and those who own the casinos have personal life and families too, which means no matter what, they have to make profit in other to take care of themselves and their families.
And this only means that casino are nothing but a business, and regardless of their claim on provably fair games, they will always make sure their game setup puts the casino in advantage and not disadvantage.