To put it differently:
Can you buy brake discs and calipers online, bring them to the authorized workshop, and only pay the labor cost for installation?
Yes, that’s possible nowadays... also when it comes to car tires.
This industry is simply a cartel or a mafia
Unfortunately, that is the case in some places. With a good plumber/GC, a solution can probably be found that works for both sides. I absolutely understand margin & warranty costs, but less so the "mafia & cartel". But there is also something in between.
This is a much-discussed topic and you simply have to see what is possible with your GC. Of course, he needs a margin and his warranty must also be properly paid for. In our circle of acquaintances we had the case that, for example, they had sum X available per bathroom and could shop as they liked.
But as already writes, there are some mafiosi, and with such a person I would take a closer look. As is known and also occasionally read here, there are different behaviors on the market.
I think there is something in between, namely something that is far from "ripping off customers" and just as far from "disrespectful behavior towards craftsmen."