[user104658]

Goblins hoarding gold is a "fantasy trope" that goes back well beyond the 90's when JK Rowling was writing Harry Potter. Is she guilty of using some narrative elements that are derivative of other works of fiction in the fantasy genre? Sure... absolutely tonnes of them actually... and might some of those elements have cultural roots that most people aren't aware of? Absolutely. But to suggest that it's something that she came up with herself for Harry Potter is totally ludicrous. It's borrowed. Most of her lore is borrowed. I mean... ... most lore in the fantasy genre (and every other genre) full stop is borrowed.