I’m just going to quote large chunks from this piece by The Guardian [guard] and not add much commentary of my own; it’d be redundant.
Game-Master: “You peer over the edge, down into the cave. Below is a huge dragon, lying on a mound of gold.”
Rogue: “Is it asleep?”
Game-Master: “You hear deep rumbling snores.”
Party-Leader: “Great. We sneak back to town and take all the villagers’ gold. Then we sneak back to the cave, and add the villagers’ gold to the dragon’s pile without waking it up. The dragon will create jobs for everyone!”