You always see that seller with toned coins because he is a toned coin specialist dealer! He is also an excellent photographer of toned coins and he can visualize colors that can normally be difficult to capture, it is all a matter of lighting and angles. It would also not surpise me that he uses editing software to "juice" the photos a bit, I have done the same thing when trying to make a photo replicate what a coin can look like in-hand under strong light. Toning is best seen with a coin in-hand because the colors can refract at numerous angles that you cannot possibly capture with a 2D photograph. The NGC photos are for detail, they did not set up to capture toning so that is why you cannot see it.
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Well the 2004 American Eagles don't tone that fast...
Sure they can, .999 silver can tone quite easily. If it was a clad coin looking like that, I would be very suspicious. I keep my SAEs in a Littleton album and it has toned a few of the mid-late 2000s. The toning is quite random though, one hole will tone a coin while the one next to it will have little to no toning.