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I suspect you're right, except maybe for modern rarities. When I get a particularly good box I always wonder whose old stash I'm combing through.
Agreed. I used to get a fair number of Pre-1969 quarters and dimes at a retail job I had, and I could imagine the customer cracking their piggy bank for loose change.
It's almost sad that that particular aspect of the hobby will diminish to the point that our children will rarely find a piece of silver. I will tell you a little story about a friend of mine who I "converted", and his girlfriend.
He worked at a gym, in a mall, and had to pass a lotto booth every day. His gym had a cash till. So, he got this great idea. He would get rolls of coin at the lotto booth, check them all night on his graveyard shift at the gym, and then change up the duds with the gyms till to avoid "contaminating" his own supply, so to speak.
So one day he goes to the mall, up to the arcade, with $100 in bills. His girlfriend is puzzled to see him go to the games arcade. He then proceeds to put $100 in bills into the arcade change machine, and goes to leave with the haul! The attendant tries to stop him, he takes off. He goes through 400 quarters, and upon finding his first silver quarter, he jumps for joy!~
His girlfriend, excited, exclaims, "What is it?"
"I found a silver quarter!" said he.
"SO what?" she asked.
"It's worth like, $5" he told her, beaming.
"Oh my god! Sell it!" she said, excitedly.
"Hell no!" he said with a grin, and went back to digging through his quarters!
I tell you, we have a grand laugh every time we talk about that one. There's nothing like getting silver at face value!