Hi there and welcome to the forum

Sorry to hear about your unfortunate recent experience.
I also live in an area with hard water, and this has caused me concerns in the past. I am in the lucky position of having a lot of local stores with helpful staff, including 2 branches of MA, and 2 independent ones with good reputations, all within a 20 minute drive. I've discussed this topic with all of them, and as a general rule they use treated tap water without RO, so their water should be roughly the same as yours.
Some will use a mix of tap & RO for particularly delicate species, some don't.
One of the independent stores has even given me information relating to the location and water conditions of their main supplier, which was interesting. Their supplier has slightly harder water than we do, which may complicate the picture further.
On top of that, all LFS have large filter systems which circulate the water through an entire section of tanks, rather than individual tanks like we do at home, so their fish will be in contact with numerous other fish species, which may have come from separate suppliers and different times.
They also use a medication regime, which again is something that wouldn't normally be done in the home aquarium, and which is probably very different from any medication regime used by the breeders/suppliers.
As the others have mentioned, some LFS don't quarantine fish for long, and stress is a major problem.
When you also consider that some fish are still caught in the wild, and put into the same systems, it is probably the equivalent of a human travelling the world several times over, without stopping for any length of time at any destination, on multiple modes of transport, mixing with people carrying various illnesses, and without any chance to relax and deal with their jet lag.
As I'm typing this I'm suddenly amazed that any of the fish survive.
Water parameters and the environments in which fish are kept are very complicated, and we can never really know what the fish we buy have been through before we get them home. This is little consolation when we see fish die, but sometimes these things happen.
It may also be worth using a quarantine tank for new fish, as there is also the possibility of new fish bringing disease to your existing fish, although that isn't the case here. I also feel (with no evidence whatsoever) that quarantine tanks are useful to help new fish get over the stress of travel without the added stress of dealing with new fish as well. You can also put extra hides & plants in the quarantine tank to provide more security for new fish, and medicate if any problems crop up, without having to medicate the main tank.
Again, sorry to hear that you have had problems, but there may have been nothing within your control that you could have done to avoid it.