If you are going to invest in coins, you should get to know a coin dealer you can have faith and confidence in. Depending on the choice of investment or collecting decision there are coin dealers that specialize in that segment of collecting or investing.
In many areas of the country, there are coin clubs where you can meet some coin dealers.and get referrals from other coin collectors, Talking to members of the club, you will be able to get a good feeling of the integrity and honesty of those coin dealers.
Coin dealers are in business, just as you and I. The reason to be in business is to make a profit. That means they have to cover rent, supplies, salaries, insurance and the cost of the coins etc.. Time and time again, I have complaints that the coin dealer over charged them.
Some buy a coin for $100 and go to another coin dealer to see how much they can get for it. The second coin dealer offers them about $60 to $70 for the coin(s) in question. I have heard comments like "I got ripped off" or "what a crook". Either the coin dealer "overcharged” for the coin or the coin dealer offering to buy it is trying "to steal it". However, this represents the spread berween buying coins and selling them, therefore the profit. Investing in coins is not a overnight profit.
Coins are a form of entertainment, or part of an investment strategy but best of all can be both. In the later, you would be buying a coin for its intrinsic value, silver or gold spot prices, and the buy sell spread is close.
As for the enjoyment of collecting coins the coin dealer must have a markup to buy and inventory coins and coin supplies. In addition to the coin value, most customers in a coin store spend time talking to the dealer about coins and it is like a day out. I am sure the coin dealer enjoyed the conversation with you, but if he was a lawyer or architect he would charge you by the hour for his time.
At that rate he could mark coins up a dollar or so and he would be making money for his time. Everyone would be happy, or would you still feel you are being "ripped off" and not spend time talking and more importantly learning.
The coin dealer you are buying the coin from is not paying for that and now must find a buyer and paying his overhead and teaching the new customer as your coin dealer did for you. Sometimes he doesn't have customers, in which case he must wholesale it to another dealer.
The image of a coin dealer being a villan with a black hat and black cloak are myths. That doesn't mean there aren't some coin dealers that are dishonist, but it doesn't represent the majority of coin dealers trying do treat you with courtesly and just do what we all to do: "make a profit".
The coin collector must realize that it takes time for appreciation to occur on many coins. The exception would be if the coin value were based on the value of the metal (silver or gold).