Yes, garmin is protecting their dealers on many of the desirable units.
Yes Garmin requires one if their dealers to sign off on work if you expect warranty service. Not sure why that would be considered sinister given how loudly people complain about name brands.
I used to have the same opinion about install prices. How hard can it be, right? In many cases the tray coming out is the same size and if you just had the pin diagrams it should be pretty straightforward, right?
I'm fortunate to be able to work under supervision of my Avionics shop and got to learn that even with my very simple aircraft (and radio stack), it's a TON of work.
Others have said it, but every plane has a fist full of wire that goes nowhere. Or was wired poorly and you can't possibly leave it that way.
You think one nav/com for another would be the same until you get it the wire diagram for your intercom system and realize that they don't swap one for one. Do it carefully and it works perfect the first time, but it takes a lot of time to make wire diagrams and carefully check, crimp, etc.
An installer is almost certainly going to find something sub par that wasn't accounted for in the original quote.
Add to this the number of customers who think throwing a pair of G5s in now won't add much effort.
The shop I use now pre wires everything. You replaced it all clear out to the headset jacks. Having done two planes (one before and one after they implemented that change) I totally get it.