Buy as many tank raised fish as possible!
I would guess that there is, overall, an 80% +++ die-off with wild-caught Cardinal Tetras. For those that haven't done the math, for every Cardinal that makes in into your tank, four or more die. Many points are exactly right- every time a fish is handled, his chances for survival drop dramatically. When a fish, especially small ones, is netted and put on a boat, then sent off to a distribution center of sorts, then netted again, then sent to another distrobution center, then netted, bagged, shipped to L.A., then re-oxygenated for another flight (netted, bagged, new water again), then sent through a grader, then put in a wholesaler's tanks, then netted, then bagged, then shipped to the pet store, where it is netted and bagged again, things aren't too good for a Cardinal, or Neon for that matter.
Tank raised fish, on the other hand, are bred, netted, bagged, and sent to the wholesaler down the road where they go to the LFS. Granted, they are still handled several times in the process. However, it is nothing compared to what an imported fish goes through.
Most tank raised discus in LFS's tanks are imported from the far east. The issues with these guys is this: 1) The majority of these fish are raised in nearly sterile environments with extremely soft water and 2) These fish are often treated with growth hormone that brings out color in juvenile fish. While the second issue isn't a known fish killer, I do believe it can cause some health issues.
In other words: Buy tank raised fish! If at all possible, buy fish that are tank raised in Florida! Issues with color and health are constantly addressed and improved. In the end, you get a better product without killing quite a few fish in the process.