@john_darksoul don't exchange your metals for dollars. Instead pay goods and services directly using your metals in an equal exchange of $X in metal for $X in goods and/or services.
@john_darksoul you can buy land from a private party and work out the details as far as paperwork is concerned.
Banks won't mortgage undeveloped land anyway, so buy undeveloped land from a private party for some metals, and fudge the paperwork if you need to.