I hear you, but on the positive side, nobody will sell for spot. I just checked Texas Metals….
2016 American Silver Eagle Coin 100-499 $19.39 ea. less $16.58 spot = $2.81 or 17% premium OVER spot.
OUT OF STOCK all 90% Junk Silver Bags – Dimes/Quarters they charge $20.58 per ounce.