The plated theory holds some water. Capitalizing on the uninformed, but highly enthusiastic public, hucksters plated coins in platinum, gold, silver, and even colorized these things. Some of these "collectibles" have been released into the wild as is the normal course of things as some people have already grown tired of holding onto these things, others find their way to dealers who inform the sellers that they have no value over face. When told of this, the sellers typically just get cash for change and the dealers spend them.
I'm sure a hundred or two hundred years for now these plated things and painted things will be a curiosity for 23rd century numismatists- unfortunately, we'll all be dead by then and won't get to hear what they think about the matter.