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I dunno what state you live in, but the majority of what you stated isn't true in the vast majority of the country.
Ya, I live in a more restricted state and have purchased a handgun from out of state. It goes to a firearm dealer and they transfer it to you after doing whatever background checks your state requires. The gun isn't sold to the dealer, they just hold it while everything clears. I don't know anything about interstate private sales though.
One fun fact though is that you can buy an M1 Garand from the government and they'll ship it to your door. So that's pretty neat.
For an M1 Garand, the requirements are a little different than just getting a background check.
For those who care: https://thecmp.org/cmp_sales/eligibility-requirements/
I am currently in Colorado, and person to person firearm transfers are prohibited, unless you have the appropriate license. I bought my Taurus .40 from a friend in South Carolina when I lived in North Carolina. It was perfectly legal without needing an FFL transfer.
Laws get weird in different states like the person above said, but in Colorado you can buy a rifle if you are from out of state but you must be a resident for a pistol.
I haven't read up on any recent law changes about that though. Colorado just implemented a mandatory three day wait after a background check, so there is that.