What is silver used for?

Silver is used inside jewellry as well for consumer purposes. The number one use of silver for industrial purposes is inside electronics. Silver's has a very high thermal and electrical conductivity makes it hard to replace with other cheaper metals.

Buying Physical Gold Coins/Physical Gold Bars?

If you want to buy an actual gold bar/gold coins and store it in your bank vault etc, you can do so by purchasing these gold bars/gold coins from your local gold dealers. When you purchase these gold coins/gold bars, there is usually a premium associated vs the live price of gold, since the gold dealer had to store the gold bar/gold coins in their vault.