For the silver riddle, I am reminded of a similar one: You have 10 guests and 5 apples, ho...

For the silver riddle, I am reminded of a similar one:
You have 10 guests and 5 apples, how do you divide the apples?
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...Most people answer 'cut the apples in half', but then you are left with 10 apple pieces and 11 people (because you are not a guest).
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So the real answer is to make apple sauce. ...Or most apple dishes (pie, crisp...).
So I think the answer to the divide the silver is to melt it down and divy it up. Since her lottery answer was incorrect, probably killing someone to make the numbers even would also not work. So melt and divide by 3. Or buy something that is 3 (or multiple of 3) for 1 silver, but that also seems off.