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Numismatics is directly related with current events. In this instance, shortage in silver because of World War 1 halted the five cent silver productions and replaced it with a cheaper copper-nickel solution. As a result of a stoppage mid-way, 1920 silver five cent became a numismatic significant coin.
The influence of WW1 on the Straits Settlements affected specifically the 1920 more so because they were collected and
melted to resupply silver shortages.
(Straits Settlements: George V silver 5 Cents 1920,..., 2015)
As such locating high-grade and
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