LOL
After much thought I have come up with an explanation:
Clearly old lawns do not rise much. My parents house is 200 years old and judging by the position of old foundations, steps, sidewalks, the ground has risen no more than 1 inch or so. This is due to being grown over by grass or covered by leaves which degenerate into soil. Most of what we are talking about is stuff from the last 200 years or so...most people agree that coins even 20 years old are often found a few inches down. At my parents house, I commonly find coins from the 60's which are 3" down. As far as ancient cities being buried, that is from them being built over, landslides, floods, etc. Besides we are only talking about 1-200 years, not thousands.
As far as frost lifting goes, I have heard of it, but obviously it doesn't not effect coins much or else we would have scenarios similar to what free2Dtect described. Perhaps it only happens to large objects? Or really far North? Anyone here from Canada? How deep are old coins there? It seems that ice expanding would push only large objects up...? I will get to that in a minute...
Anyway, here in Virginia, coins can get pretty deep. I feel that the process goes like this: Coin is dropped and is grown over by grass within a few months or weeks, or is perhaps pressed into the ground a little. Grass continually grows over itself but as the grass grows up, the bottom roots are also disintegrating. Thus the top level of the grass stays the same, but the coin sinks.
(otherwise, anywhere that grass grows would be a feet higher than the rest of the ground after a while, so the roots must disintegrate at approx. the same speed at the top grows)
The active grass level only goes down about 3" or so, depending on the yard. After that is mostly just plain dirt. From there I think that several processes cause coins to sink further:
Frost: Ground expands from cold, coin does not. Coin has more room to settle down.
Animals esp. earthworms. Dig under and over coins. Coins fall and settle. If once mole, gopher, or whatever digs a tunnel right under a coin at any time in history, the coin can drop up to 2" deeper into the tunnel in one fell swoop.
It may not seem so, but coins are much, much denser than most soil. As rain comes and goes, the ground is softened and the coin has less resistance from less firm soil and settles deeper.
The coin can be affected by many things, perhaps it comes to rest on a rock and does not sink further or is on edge. Different types of grass/vegetation, soil types obviously, groundwater, rainfall, traffic, frost...on and on.
Whew...