http://www.ebay.com/itm/1900-P-MORGAN-DOLLAR-GRADED-BY-PCGS-MS-64-BU-/360627694320?pt=Coins_US_Individual&hash=item53f715eaf0 Is it a fake? The certificate number checks out. How did that coin get graded a 64?
Most UNCs have no wear... But I think you are right, scans would do that, plus the toning mutes the luster.