I think it's not just how much gold one has, but whether it can be categorized as a "horde." You may only have a small amount of gold coins, but if you leave them in a messy--but not too messy--pile, you could end up with a small dragon sleeping on top of it.
Let's go meta. There's a Ministry of Chelonism whose remit it is to send teams of interdimensional agents to prevent fantasy settings from becoming too self-aware and ironic, because that would cause them to interact with the Discworld and destabilise their reality.
They constantly muck it up, leaving a trail of universes with retconned cosmogonies and unhinged cosmic geometries.
The worst being that one incident where they left an entire universe in a state where every single particle is governed by the uncertainty principle but only when no one is looking.
"Pal, look. If you had your gold coins stacked in your cave, and put in a couple tables, we'd just call it a 'counting room.' Then we'd be talking maybe a little citation for not spacing your dragon-discouragement columns close enough together. But what you've got here, with all your gold and gems and statues just like...piled up on the floor? I gotta be honest, I don't know how you don't at least have a little wyrmling in here yet. This is absolutely a hoard, and if we don't remediate now you're gonna need exterminators by the end of the week."
Brilliant. For a while I have wanted to do a Victorian/Steampunk gothic fantasy "monster rally" campaign in the vein of Werewolf by Night/League of Extraordinary Gentlemen/Van Helsing/Universal Monsters, and I think I may have just found my hook.
I know you just bought this house two months ago, but that ain't a septic tank, that's a pipe leading straight into the underdark. Do you want svirfneblins climbing outta your toilet? You gotta get a sewer hookup. I know this is just how they did it back when the house was built, but that ain't how it works these days. It was out of code then, and it's out of code now. I'm gonna be back in a tenday, and I really don't wanna have to fine you. I'm gonna leave you the Adventurer's Guild's business card, they got a department specifically for this kinda high risk plumbing.
I back Vaesen on Kickstarter and this would be prefect for that.
“Look, you got a large body of water on your property that isn’t fenced in. If a women falls in their and dies, we’re looking at a Rusalka moving in. Here’s your order to fence in pond.”