People are making plenty of money, believe me. It's not like they just bought the things at those spot prices and decided to flip them for more. They've been sitting on them for years, since spot was likely $5. Most of them probably came from bank rolls during roll hunting sessions years ago and they only really paid face value for them. If you see some roll of all 1964 uncirculated quarters, you can be sure it's some old person selling them who's been sitting on them since then.
Please come join my forum if you're not a trendy and agree with my points of view.
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