Cash was insurance.
Few things could be secured for an uncertain future , (failed crop ,injury,war,disease, old age ect.) and keeping a tight grip on any available monetary resources was worth doing.
On a homestead , where would you spend it? You wouldn't with the rare exception of a peddler or mail order ,though mail order early on did not mean home delivery in remote areas.
So cash might as well not be carried around to risk losing on the homestead.
There's some accounts of coins in hearths. Above top plates of walls ect. And a host of other hiding places.
But when folks left a homestead (moved) they can be expected to take the cash with them.
With an uncertain world , children or trusted relatives could be expected to know where to look for their inheritance should something snuff the owner(s) out prematurely.
Yes , a lady treasured her silverware .silver dishes when they had them. They too could be expected to leave the homestead.
Leaving us with the odds of a lost cache. Or one unclaimed by the deceased's relatives.
With the value of cash vs the gaunt specter of being truly destitute being a repeated theme over multiple generations , wealth in the form of money needed to be cared for more than casually.
Tools on the homestead were worth more at times as mentioned. Coins don't fill a belly or build a shelter.
Animals/stock and attendant equipment were for some folks a slow acquisition. Just like expanding the original shelter , it took time and resources.
A handfull of coins could be the net sum of a safety net or nest egg or insurance against not just hard times , but worse than hard times for even a successful homestead.
I teased a friend who's family has been on the same farm for four generations after I detected it , telling him he neglected to tell me they were poor after I found about 12 cents in clad..
Yet though his grandfather worked a "city" job in addition to farming , money was not just strewn about! Every hard won bit of it had a use and purpose and value.
What did his grandpa hide?
Things of value to him. Utilitarian to living where and how he did. Most of which he made family aware of.
Guns for one.
Money was not reported as found hidden. Nor was any suspected as being hidden.
Was a time his "gang"(no , not criminals ) pulled a regular holiday prank with an old vehicle that was hidden in a barn.
That was one of the few secrets there.
Part of my focus was a low dirt floored "workshop" with a woodstove for winter where gramps spent time out of sight of prying eyes.
No cache to my knowledge after a check. Just to try to be sure no card playing money was squirreled there....
Another site there were two cigar boxes on a crude basements rafters. (Not cash either). But items the family don't know where they all ended up.
But it was likely family involved in the disappearance of what was missing. (?)