Congrats on your education and knowledge. You say you are not a chemist. Neither are you a biologist and neither apparently do you have any experience with, or knowledge of, how Colloidal Silver works inside the body. Ionic silver solutions do not contain single ion atoms. It is a matter of fact and Science that silver solutions made up of single atoms are beyond our current scientific abillty to create. Instead, ionic solutions which are sold commercially or made at home have silver particles which typically range in size from 15 nanometers and up. You are quite correct in stating that the particles do not repel each other - and that is why the particles tend to agglomerate more and more and in fairly short order precipitate out to the bottom of the solution.
Given your evident regard for degrees, perhaps you might appreciate the fact that the owner of Purest Colloids, which makes the true Colloidal Silver product Mesosilver, has a PhD from MIT and worked for NASA. A true rocket scientist in other words. If ionic silver were superior one would surely think he would have known better than to have spent half a million dollars on equipment to make a solution that was over 85% true Colloidal Silver .