Dragons are smart, powerful and crave riches...

Dragons are smart, powerful and crave riches. Why not invest that money and power to make a kingdom/guild where the dragon rules and have more money and power ? (Dunkelzahn is the obvious example)

Because that means spending money.
and they're dragons. dragons gather money, don't spend it

How about spending money to gather more money?

Yet if it means spending it to gain more I think a dragon would like that. besides Dragons are ancient and have long lasting lifes, which means they are mostly patient and patience is the key for any good business man.

dragons don't care about how much they have in the bank, they care about how much they sit on, and they get more from pillaging then they would running a kingdom. Also that way they don't have to deal with humans in a non murdery sense.

I guess it depends on the dragon. But since they are smart (in most good settings) I think numbers do count for them.

Are there dragons who just hoard like...people's personal treasures? Things that didn't have worth but were valued by the people that were given to them?

Because I totally see a dragon taking like all these petty things over gold, silver and treasure because to him, its not the value of the object it what the object's value meant.

Then they totally burnt and pillaged whoever they took these nick-nacks from.

>Dragons are smart, powerful and crave riches.

Not particularly. Let's have a look at the CR 24 ancient red dragon in the 5e Monster Manual.

>Int 18 (+4), Wis 15 (+2), Cha 23 (+6)
>Skills: Perception +16, Stealth +7

A generic CR 1/8 petty human noble has:

>Int 12 (+1), Wis 14 (+2), Cha 16 (+3)
>Skills: Deception +5, Insight +4, Persuasion +5

This is already enough for the CR 1/8 noble to have a solid chance at overcoming the CR 24 dragon in a social confrontation. Against actual bards, the dragon stands an even greater chance of being tricked or persuaded.

Dragon Magazine and D&D did some things about various dragons and dragon syndromes.
some dragons started to hoard food and become obsessive eaters. Some riddles and jokes. but the most reasonable one is a story about a golden dragon that hoarded books and knowledge that was a bit grumpy that his children all didn't care about books and was afraid no one would inherit his library when he was gone.

you weren't here for those threads?