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Do you have a source? Sounds like you just made that up.

Investors, especially large institutions will have teams of lawyers who would would have paperwork from the party they purchase from vetting the purchase. Their insurance is the law and an ability to hold the seller responsible for loss in any case where that risk might exist.

No one pays 20% markup on a car, or gold, or a diamond ring under normal circumstances.

Washing illicit money though paying miners for their new Bitcoins is an established method for money laundering.