We didnt get a Cabelas store locally until I was in my 40s.

When I was a kid, Federal still sold to gas stations and Mom and Pops in Anoka county. These were places that had an end cap with local ammunition, that was very attractively priced. But, it was 12 and 20 gauge, .22 rimfire, 30-06, 30-30, and maybe, maybe, .308. Target stores had a better selection, as did Woolworth and Montgomery Wards, and Sears, but, it was all priced higher, not just a little bit, either. 16 gauge was a red headed step child, the only stuff I remember came with a bolt action Marlin a friend bought for $50. He got a ton of ammunition with the gun.
Most of my ammunition came from a Holiday gas station in Anoka, or a different one on the way to the gun club.
You cant buy ammunition at a gas station in town, I see a bit when I go a few counties North, but, it isnt cheap. None of the other stores, save Target, exist, and Target might as well not exist.

Best,
Ted