A piece of the explanation is that before centralized banks existed and became widely trusted by the public, average people buried their valuables in their yards as a way of keeping them safe. People become forgetful, lose track of where they buried their stuff after weather changes the landscape (ie. Marker tree gets blown down in a storm), family member who knows the location dies, they move, any number of things happens, and the valuables remain buried until decades later when archeologists and treasure hunters stumble across it.
An example of this is Jewish and German families who buried money in pots at the beging of wwii believing they would return in short time and reclaim their valuables, only to forget about them or becoming unable to return to the burial location.
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