Thanks @TiredSpider, I read all of that and realised how little I know about this issue. My gut reaction didn’t really hold up to scrutiny. I appreciate the perspective.

Attended a “gold coin donation” event at a local school recently and it was a struggle to find actual coins! I dig some up from the couch cushions, but then they had a card reader at the door anyway, so I needn’t have bothered.

This really rings true for me.