I would rather speculate on silver and gold than on the contributions forthcoming. At least I have the ability to decide myself when, and how much, to spend on silver and on which forms. It is bail-in proof, and nor dependent on what happens at a company.
With the washtowel, they speculate on people donating their ice cream money. What happens when children continue spending their money on ice cream cones? Are they going to start disfellowshipping them, treating it as theft? That is one of the few treats children have left, and now the washtowel is taking it away. The reward on speculating on that ice cream money is paltry, and the risk is that they won't get anything at all. At least with silver, I only risk the money I spend on it and the reward can be mind-boggling.