Silver rate was decreased, because it gave so much money, that it hurt the economy. I can understand that. But this way grinding reinforced alloy ingots (and other sf stuff that require silver) became so much harder.
I have 2 ideas:
-Be able to withdraw silver for $6 or other price higher then the deposit value which is $4.5
-Be able to exchange gold into silver instead of withdrawing it. 1 gold ingot = 2 silver ingots. Or smth like that