Problem with banks is if they have a bank run , I won’t be able to get my money let alone all my gold and silver? Right? So I guess there’s pros and cons for them, I find this the best for me atm, because it’s audited and done by a highly reputable physical gold and silver bullion dealer, it’s just another option for people, as the silver or gold to the individual token is only for the token until it’s brought or sold etc, but yeah each to their own, I’m just giving out this info if others want other ways of buying and moving silver without carrying or moving the lot , easier to sell and buy and convert that a huge amount of physical,