The following circulation find story indicates how little I knew when I started collecting:

Around 1953, when I was a teenager, a friend and I went to the Bank of California branch on Wilshire Blvd. in Beverly Hills, and we asked the teller for ten silver dollars. We bicycled back to his house to divide the coins, deciding to take turns - he won first pick on the toss of a penny.

Neither he nor I knew our Morgan dollars well, as will be painfully obvious in a moment, and the last round came down to a shiny Peace dollar and a toned Morgan that had circulated enough for the coin to be reduced to what we would now call VF. It was the most heavily circulated silver dollar I have ever seen. My friend picked the Peace dollar, leaving me with the runt of the litter. Only that runt was an 1893-S that I still cherish. Sometimes luck saves the ignorant.