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Barbara Hambly gave them a really cool reason: gold and gems and jewelry make music that only dragons can hear. They are entranced by its melody!
Ah, you beat me to it! That was going to be my suggestion - read Barbara Hambly's Dragonbane series. Dragons need pure gold (thus, refined & worked by those crawling bi-peds with those nimble fingers of theirs) into which they can breathe the magic of their Names and have it reflected back to them. It's like Dragon catnip, I tells ya!