I just discovered that Woolco, a wholesale food supplier, sells to the public on a cash only basis.
They are at 36-40 Ganesvoort Street, 212-226-6800. You can call and check what they have, prices and minimum amount you can buy, and order it, and then go pick it up. They are open early AM - 3:00 PM, Monday thru Saturday.
I got a 5 kilo block of Callebaut bittersweet chocolate for $27.13, which is about half of what Baker's would cost, and much much better quality.