Silver Coin Premiums

With the paper silver market trading around $27.50, the premium over spot price of a Silver Eagle Coin is $2.89 I still cannot convince people to buy.
The lowest price silver will go is the 2008 high of $21.44. The mistake in thinking you will get that price is:
A - It is not a fact it will get that low.
B – The price might happen overnight. (can't buy while you are sleeping)
C - I expect the premiums to increase.
Example
$24 silver with a $3 premium = $27 per coin
$22 silver with a $5 premium = $27 per coin
The only way to "catch" the low is with a futures contract and the SLV ETF of the price occurs during regular trading hours. But, this is for trading and not physical.