Well, if you are trying to feed your family then you should maybe consider taking on some more Real work, instead of all that time spent detecting. The way I figure it, unless you have a time machine and are going back to 1960 to do your digging, or the silver is jumping out of the ground at you with no work or research on your part, then the hobby just isn't that profitable for the amount of time involved. Because the folks on here that find the Good Stuff, they spend a lot of time at it!
I think you're trying to tie your ethics about selling to the economy, and I don't think that's a valid reason. If you sell, you sell. Do you need a reason why? Folks that are needing to "put a can of beans on the table" for their family have no business spending all day out with a $1,000 detector in the park to dig up $5 in clad coins. They also have no business paying for internet service at $40/month to post here, or taking the time away from picking up an extra, part-time job in order to waste hours and hours posting here. So basically, you sell. Big deal. You don't have to blame it on the economy, or create a sob story about a starving family. You like to occasionally see an immediate monetary profit from the hobby, and that's ok.
Only on VERY rare occasions do I ever sell a find. Folks sell, and they can do what they like...but I don't hunt with folks that sell most of what they find. (We're not talking about a piece here or there, or a really valuable find or two...we're talking about what they find immediately gets sold, if it has any value at all--even if it's only worth a few dollars. The reason I don't hunt with them is simple: it's because I know they wouldn't give a second thought about trampling me to death to get at anything of value. They are also the types that are jealous when I dig something valuable, and they are the types that are more prone to hunt a site of mine before I can hunt it myself or with them.
That's my experience with folks that sell sell sell. So forgive me if I come across hard-nosed. I've been burned in the past by such folks. It also gives me an added reason to keep finds--so that I don't turn into one of them! I can only dig an item once, and only sell once. And the near future is uncertain--but the far flung future is even more uncertain.
So I don't understand why a person would sell if they can possibly save.

Values go up over time for just about anything except a GW inaugural button.
-Buck