Some build up of oils might inhibit the oxidation of the silver surface. I do know, rainbow toned circulated coins are are not as common per capita. Actually, what should be noted is what toning is and is not. Toning is an optical effect not the state of a coin. It is thin film interference, like you might see in oil floating on a puddle in the afternoon or on the surface of a soap bubble. Perhaps the surface roughness from wear common prevents any uniformity that would achieve this effect in a recognizable way too. You also will have far less reflectivity, a necessary component, on a worn coin to begin with.
circulated coins tone faster than uncs or proofs........................but proofs get the prize for spots!
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After that toning and dirt look alike some times.
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circulated coins tone faster than uncs or proofs........................but proofs get the prize for spots!