My theory is the dragons actually benefit immensely from sitting atop the gold piles as it acts as an amazing heat sink.
I don’t think that really fits with the metaphor but I wanted to say my piece regardless.
We don’t really have dwarven gold hoards anymore - I’m thinking we can prove climate change is caused by overheating dragons.
Everyone send me all your gold and I’ll prove it.
I always thought dragons were reptilian and therefore cold blooded.