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Because on the Periodic Table of elements, silver and gold are among the least reactive elements. That means that they are precious and people with serious allergic reaction to jewelry made out of cheap metals like stainless steal can wear them.

Since silver and gold are in limited quantities, they are considered precious metals. The fact that they cause least irritation to the skin when worn makes them the best candidates for jewelry options. This makes the silver and gold jewelry expensive, although sterling silver jewelry is much cheaper and affordable than 14K, 18K, and 22K gold.

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