fenton, not always true, sometimes people just want to get rid of something quickly to get cash or don't know what they have. Or don't understand ebay. Sometimes I suppose it was sent in for a grade, but NGC/PCGS misgraded it and the seller didn't realize that they could re-submit it and probably do better. Also, it can be costly/pointless in some cases.
Thats not to say that there arent sellers who hide problems/a lower grade. Youre less likely to end up with that if the seller is 'low profile'. It could be more likely with morgans since theyre more popular than seated/barber coinage. Id just make very sure with high dollar coins that nothing is being hidden before keeping it.
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