the extra value in that bill comes from the collector and historical interest; I'm not sure the US government is really obligated to pay out rare metals for you

the extra value in that bill comes from the collector and historical interest; I'm not sure the US government is really obligated to pay out rare metals for your bill, if that's the distinction you're making. Anyway, I think we as a society should normalize using silver coins for personal wealth transfer, because they are a good size and weight for not too much value, and they are shiny and make a satisfying jingle sound when kept in a bag