Almost everyone in other hobbies does the same thing with fees.
I think it's probably partly an insurance thing. The less time something is in the building, the less potential for something to go wrong.
It could also be seen as being a portion of value added.
I could probably do certs on some stamps, or cards, but getting that expertise recognized is difficult. The stamp expertizers (In the US) generally have some training under another expert, and work within a somewhat narrow range of stuff, and usually for a larger organization. (It's different in Europe, but the knowledge level is the same, and they also work in narrow fields. )
Think along the lines of someone just doing T206s, or just 52-56 Topps.
Naturally the opinion of someone like that is "worth" more than mine, simply because nobody would know if I was any good at it until a few years in.
One of the big stamp dealers started doing his own certs that were very basic, sort of a triage cert. No picture, no fancy certificate, just a small green paper with the ID of the stamp and his opinion of it - what it was and any noted flaws. (pretty much what the big outfits do) He had something like 50 years in the business, maybe more. And he only charged $5.
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