[saul-james]

“So take what we save now … and buy some silver while its low, store it a way in the event they ever come to collect…”

No. In the bankrupt world we live in that would be like having to “pay” twice. Your promissory note when indorsed and delivered is a cash equivalent. The bank can securitise the instrument and “get paid”.

That’s how they got the funds in the first place. When you blank indorsed the loan agreement you created a promissory note as you handed it back to them (delivered it). The whole world operates on “promises to pay” and “orders to pay” (negotiable instruments).

To get the full picture, read and study the Bills of Exchange Act 1909.

“…Mark mentions a Gold Stamp he uses on his pNotes.”

It’s purely for appearances. The thing of value on a PN is the indorsement (the signature).

“…could the lender ever consider fraud charge against me…”

Maybe they could, but couldn’t you do the same to them? Has the bank been honest about how they acquired
the funds? Did they fail to disclose
something to you? Has not the bank
engaged in fraudulent behaviour?