I believe in capitolism and am a Darwinist. The world is changing. More and more things happen through the internet. The FFL that doesn't fully understand the laws he must abide by to do business in this age is subject to the fate of the dinosaurs. I also agree that some of this caution is driven by greed. A lot of these guys had a small but captive audience for years, and I've heard several complain about "losing a sale" to someone from another state. Eventually these guys will learn that the internet can give them a MUCH larger potential customer base. They start selling on-line and some guy in another state makes a few bucks for doing the transfer. Sometimes they're the guy that makes the few bucks as well. Both benefit. Trying to make things stay strictly local is just dumb business and eventually will cause them to fail.
Personally, I won't buy as much as a bore brush or box of cartridges from a shop that won't do transfers at a reasonable price and/or doesn't know the laws governing their own business. If more people would do this, we'd help Darwin along and get it over with.
Jim