That is the Spot price of silver. Dealers need to charge a premium to make a profit. You will not find silver for spot price anywhere online.

You exchange the silver you have for goods and services or the new precious metals backed currency after the dollar dies. Paper dollars are good for burning when it takes a million to buy a loaf of bread.

Silver can’t inflate or deflate. You can’t print it.

I’m not saying to liquidate all of your stocks and to convert all of your fiat dollars to precious metals, but I would have some sort of allocation.

I’ve only been stacking since the end of this past February. Older stackers might have more wisdom for you.