These schemes have completely messed up the UK bike market, shops started charging more to cover the scheme admin fees, so we get less bike for the money compared to ~2008 (taking account of inflation). In recent years, HMRC changed the game by asking for silly ownership transfer fees, making the schemes very questionable for basic rate tax payers.
These days, it is far easier to look for sale prices, perhaps in combination with benefits your employer might offer eg. shop vouchers purchased at a discount.
Shops doesn't set the rrp the brands do.
Cyclescheme has allowed people to buy a bike more expensive than they otherwise would.
Places like planet x and ribble selling products for less than a shops trade price, doing an ultegra bike or groupset for less than a 'branded' 105 level bike costs. It's a race to the bottom to make 50p on a something at £10.
Thankfully some suppliers do their best to help out but bike brands typically don't.
If I want to sell someone a bike with an RRP of £1000 and I'm willing to take £800, I can't then do that bike on a Halfords voucher for £800 as they will pay the shop £680. The extra charge isn't to be greedy it's purely to make it financially viable.
The very small double digit profit made has to keep the shop here for any backup, deal with any warranty work, cover the hours of time dealing with said customer and then fitting the pedals/cleats they bought online for less than we can.
Apologies for the rant