1. You can have a bike shipped to your home without requiring a special license.Try going to a bicycle vendor and saying "I've got a great deal on a new bike for much cheaper than you sell, but the vendor only deals with storefront shops. Can I pay you $40 to receive it for me so I don't pay your markup?"
Name one retail sector other than guns where "bypass the middleman who is handling your transfer" is the normal and expected ode of operation.
2. Most bike shops offer a set up fee if you dont feel like setting it up yourself. Ship it to them and then set it up.
3. The bike shop will go online and order what you want for the price that it is online. As long as they are a dealer for that brand. I dont know how they deal with brands they dont sell.
I just bought a Rocky Mountain MTB at JRA Cycles. They didnt have it in stock. They called RM, confirmed stock, ordered and a week later it was here. They set it up and I paid exactly what the cost is online not a penny more.
If gun distributors put their stock online, where we could see it, and then showed us their approved resellers, we could easily go to a gun store, tell them the gun we want for the price that it shows online and get it that way. The online price already has a markup in it. But guns dont work that way. Apples and oranges.