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Seth B.Frank, everything you have said is just about dead on.
I think one reason this is even an issue is that cards are at boom prices right now, so people who had their cards even, say, a year ago, are seeing $$$ signs. I know E93 collectors must think they've made some brilliant investments right now. But investing is a long-term thing, and over the long term, other equities are much more reliable than cards. Doesn't mean you can't play the flip game and turn a little money while the goings good, but don't get ahead of yourself and call cards investments.