I guess you haven’t heard the ad.
I read it on our local paper. I believe you will get a paper promise for silver (or gold or unicorns). There is no physical gold, no physical silver, but you can ride your unicorn when gas prices go above $40.00 a gallon. They will have your money, but somehow you have to feed your unicorn.
Whell!!! No!
If you’d provide a link I could participate in your questions but, barring that I don’t understand your “Loophole” question.
Happy to help and demystify the question.