Stackers are only interested in bullion, not in the beauty of a coin. The common citizen is interested in the beauty and doesn't even know what is to sell to a scrap dealer. They are two different kinds of silver buyers and the Mints know it. SOV.
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I'm a bit of both, stacker and collector, so I usually end up paying more than I should, but you have to keep it fun, and generic basic boring silver is just that! :-) Sov.