It's the Melt Value that determines how much Face Value you obtain... One Ounce of Silver will get me $9 in Silver Coins... The Treasury will Mint that Ounce of Silver into $10 in Silver Coins... One Ounce of Gold will get me $90 in Gold Coins, that the Treasury will use to Mint $100 in Gold Coins... As you can see, there is a Melt Value and a Face Value for either an Ounce of silver or an Ounce of Gold... Usually, the Face Value will determine how much change you get back, not the Price of an item...
It's the Melt Value that determines how much Face Value you obtain... One Ounce of Silver will get me $9 in Silver Coins... The Treasury will Mint that Ounce of Silver into $10 in Silver Coins... One Ounce of Gold will get me $90 in Gold Coins, that the Treasury will use to Mint $100 in Gold Coins... As you can see, there is a Melt Value and a Face Value for either an Ounce of silver or an Ounce of Gold... Usually, the Face Value will determine how much change you get back, not the Price of an item...