Good question. My input doesn't answer the question but..... it got me thinking....how realistic is it to expect sellers to adjust their own local water parameters for the fish. I wish it would happen, for sure!! It should happen.......it probably goes back to the somewhat (?) true perhaps, but often flawed.... "fish will adapt".
We used to adjust water chemistry in most of the pet shops I worked in. We are fortunate here and have soft water so we didn't need to reduce the hardness for tetras, barbs and rasboras, but we did need to increase the pH, GH & KH for the livebearers and African Rift Lake cichlids. I also did it at home in my own tanks.
Should all shops, importers and suppliers make sure they have soft water tanks for soft water fishes and hard water for hard water fishes?
Yes they should. It's not hard, nor that expensive. If you have hard water and sell soft water fishes, you get a reverse osmosis unit and use soft water in their tanks. If you have soft water and want to stock hard water fishes, buy a bag of Rift Lake water conditioner and increase the hardness. It's really not hard. We were doing this back in the 1980s so everyone should be doing it now.
If you plan on selling fish, you are expected to know how to keep fish and you should be providing them with an environment they can survive in. This means adjusting/ modifying the water chemistry to suit the species. This applies even more if you are dealing with wild caught fishes because they come from certain conditions and don't do well out of those conditions.
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As for how much time do fish need to be in the wrong conditions before it affects their overall health or lifespan?
Who knows but my guess is one month in the wrong type of water will probably do some damage that might be irreversible. I think Byron might have known the answer to this but he's no longer with us. If I recall correctly, Byron wrote something about calcification in softwater fishes' internal organs when kept in hard water and the fish's lives were noticeably shortened due to that.
I have seen African Rift Lake cichlids from Lake Malawi and Lake Tanganyika live for 2-3 years in softwater (GH below 100ppm), but they didn't breed readily and didn't survive past 5yrs of age even when put into hard water for the rest of their life. I have seen the same species of cichlids live for 10+ years in hard water tanks and they bred all the time. So keeping hard water cichlids from Africa's Rift Lakes in soft water for a year or more, will shorten their life.
I can tell you that fish that spend 5 minutes or more in water with a high ammonia level and a pH above 7.0 does permanent damage to the fish and either kills them straight away or reduces their life to a few months at the most. Fish that have been exposed to lower levels of ammonia in water with a pH above 7.0 can live longer but generally don't live a full lifespan for their species.
Just because we can keep fish in the wrong water chemistry, doesn't mean we should. We have the knowledge, test kits, reverse osmosis units to reduce hardness in water, and mineral salts to increase hardness. There is no reason at all to not modify your tank water to suit the species living in it. People take vitamin supplements and drink filtered water to improve their health. Why shouldn't we provide the same care for our pets, regardless of if they are dogs, cats, birds, fish or reptiles?