If you've not found a silver coin yet, make sure that you have your detector set up properly, and then make sure that you put yourself on top of ground likely to contain silver coinage. Some find public parks and schools easy places to start. Perhaps an older house in town where you already know the owner. Hunt slowly and don't feel like you are in a race to find that first silver dime or quarter. Overlap your sweeps and try to GRID the area, covering back and forth, row after row.
Make sure that the locations you are hunting were in operation back in the silver era. I usually look for something to have been built in the 40's or earlier. The more years prior to 1965 the more opportunity people had to drop and lose items. Usually, the silver coins are deeper than recently lost coins. A key to remember, is that if you are finding wheat pennies regularly, you are on the right track. When I first started hunting, I found one silver coin for every 6-7 wheat pennies. You can use that as a starting guide. As you get better and hunt better places, you will begin to get a feel for the silver to wheat ratio in your area and that ratio will improve. Silver dimes are smaller and a little more difficult to find than copper pennies, but the Explorer WILL find them with no trouble.
And regardless of how poor people are, they still lose things, it's a habit of people, rich and poor. You may not find as many lost coins, but there will be lost coins and other items.
Good luck. Looking forward to hearing about your first silver coin.
Rich