Reader "Skent256" brings up a provocative issue in the coin collecting forum:
I know a bank teller that has a serious coin collection. At her bank, the savvy tellers swoop up silver coins from deposits. There's no theft involved, just replacing silver coins with clads. I think there's ethical issues surrounding the practice, in my mind. I suspect most coins are inspected to remove silver coins. Just an opinion... not trying to make a mass generalization of bank tellers.
This is an interesting question because in a way, the teller is depriving her employer (the bank) of profitable value if she takes the silver coins to a coin dealer and sells them for the silver value. On the other hand, the bank itself is unlikely to profit from this silver otherwise because it wouldn't normally have known about the silver or bothered to find it.
So, what's right here? Should the teller pass up the opportunity to grab the silver at face value so as not to be unfairly profiting from her employer's assets? If she does take it at face value, knowing it is worth more, isn't that stealing? Come share your views in the coin collecting forum!