yep

and you’re eliminating something called third party risk

they don’t typically have the silver until after you pay for it

they often base production on incoming orders

this is not usually a problem unless there is something like i don’t know maybe a short squeeze

they will gladly refund you the purchase price after sitting on your order for three months as the price increases and they take delivery of something that they have in their possession that has doubled in value since the moment you paid them