I have been unusually lucky this month. I am fortunate to live in a small New England suburban town surrounded by other small towns that all have branches of regional banks that attract elderly residents who are the ultimate source of the silver coins I find.
I also call tellers at ~15-20 nearby banks each week and ask if they have half dollars. Most don't -- but typically one or two respond they have several loose coins or a few customer-wrapped rolls. Like most CRHs, I often get skunked, but I don't let that outcome deter me.
Fortunately, I have not yet faced the moral dilemma of standing in line at a bank and watching an elderly woman in front of me hand over a large number of silver coins to the teller -- explaining that she found them in her late husband's desk. What should I do: e.g., encourage her to go home, carefully search for more "loose change" that he had collected, and then return to the bank and also cash in them?
