My Stack began with a modest 'Horde' of junk silver from all over the Commonwealth by my Great grand father and his experience with his town struggling through a bank failure in his time. I feel sure his Stack was much bigger and he had it hidden in his property. Long story short, he quietly loaned his money out to his suffering neighbors and various townsfolk and I don't think he even charged any interest and even forgave some loans. My Dad didn't realize how respected he was until his funeral when hundreds of townspeople attended to show their respects.