Learn to fix bikes. Then you can check used bikes before buying and don't need to pay LBS.
As for new bikes, go to a direct seller.
Alternatively ask some locals for LBS recommendations.
I think an LBS charging $90 for a safety check and not checking the frame is robbery. What do they check besides reflectors and brakes for $90? Any noob can check if there is a reflector and if the brakes stop the bike. You would think for $90 that would include a minor tuneup to adjust gears, brakes, and verify bolt torque.