to answer your question two, is all about return on assets. to dig the gold out of the ground there are some production costs. is like you wanna buy an empty lot put a house on it and then sell it knowing it will be valued around 1mil. now if you know the house + the lot together are worth 1mil, you wouldn't pay 1mil for the lot alone. pay 1/2mil for the lot spend 300k to build the house ans sell the whole thing for 1mil, and there you go 200k profit for you. now to go back to the mine, unless the gold is already in bar form and the only cost is to transport it to the bank, even then the buyer would only pay less than the actual value as you would think they want to make a buck too.
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