I was wondering, as mine would not bring close to that amount. Mine is an original 63, not a dipped '64. Not even in the 10K ballpark. The 64 should bring in the upper teens---22 is far too high.
HA's page lists that as a BIN price. Go here: http://pcgs.com/cert/25539974 - half way down is a link to prior appearances of this coin at the 2012 auction... That page, http://coins.ha.com/itm/morgan-dollars/1893-cc-1-ms64-pcgs/a/1167-4276.s says the owner has indicated s/he would sell for 21,995 and lists offers that have been rejected... Offers to date: $15,000 on July 6, 2014 $13,000 on March 4, 2014 $12,500 on February 28, 2014 $10,600 on October 19, 2013 $10,500 on August 13, 2013
The owner's price of $22,000 is dreamland. As I said, the book value is around $16,000 tops. I would think that coin would go for no more than that, as it is a nice coin, but not spectacular enough to push the price that much.