Hey buddy...calm down...!!!
If you read the book before you buy the coin you shouldn't have much problem...as for overgraded coins on ebay...that is why you need to look at the photo in the auction and GRADE the coin to what you grade them...don't pay the price and then say they over charged you...you pay what you want...if you don't want to pay that don't buy it.
The gray sheet won't help you...that is what dealers buy with...they sell higher...and you better be careful about insulting a dealer...make friends with dealers and they will help you.
as for this
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As for real estate: same thing: the seller is required to divulge all defects.
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if you look long you will find that ths is not true...they are asked to show the defects but they don't most of the time.
Speedy