I know I am probably going to get drilled for this, and although I do agree with your line of thinking in theory, I feel to many people on this site and "advanced aquarist" do not look at it from the other side. Think about your statement "i buy most of my stuff online" this alone makes it very hard for a LFS to not only survive but thrive with stock, overhead rent etc. Next thing up is your indictment of the store carrying baby red tail cats, again taking the point of a retail establishment ,supply and demand, if this is a fish they sell a lot of and are requested they need to carry them, otherwise there potential clients would go elsewhere and not only for there red tails but also tanks food supplies etc. The next point I would like to make in regards to this, is that if these lfs do not survive, our hobby will not survive! The avg aquarist does not start by going on MFK and buying a 500 gallon tank. They start with a ten gallon and some guppies because the LFS in town is cool. I know thats how I started and I am sure a lot of you have to.. now as my hobby advanced and my means advanced my hobby grew. But without the LFS and the avg joe with his 55 the industry dies, the importers stop importing, the companies stop making new product, and all of us "advanced hobbyist' grow old and die!!! I do agree that I would love if stores employees were more educated but you are speaking of generally minimum wage earners so beggars can not be choosers.
I am in my 30's and the first red tail cat I saw was a 2 footer in Robins Pet Store in Hackensack NJ, that fish was there for years, this was before anyone could get baby red tails any time for a dime a dozen. That fish fascinated me and created my love for the hobby. And in my teens i saved up and bought a baby redtail, i think it cost me 50 bucks at the time... I was unprepared for his growth and mess and all so he died prematurely but what that did was make me figure out what i did wrong.. and my hobby grew......
If you want to get on a soap box grab all the guys trying to get 30 bucks for there used 20 and 30 gallon tanks and have them donate them to a needy kid and let there hobby grow!