Hiya, OP! I'm pleased to inform you that, yes indeedy, a dragon's hoard CAN in fact accommodate a wizard's tower.
Not only that, but dragons within the Forgotten Realms are not only highly intelligent creatures with the necessary means of communicating in order to facilitate such an interaction, but their inherent magic renders them capable of shapeshifting into more "reasonable" forms in terms of size and appearance, should a dragon wish to experiment with a wizard's magic wand without snapping it (and the wizard) in half.
There are many examples within various pieces of FR media of individuals with draconic ancestry- in BG3, we have the Draconic Ancestry Sorcerer as a class option, and in BG2, the blue dragon Bhaalspawn Abazigal is a result of the god Bhaal's tryst with a dragon.
Here are some helpful links if you'd like to learn more! They've got additional sources at the bottom of the pages:
Dragon | Forgotten Realms Wiki | Fandom Half-dragon | Forgotten Realms Wiki | Fandom
TL;DR: If a bard wants to fuck the dragon, they can fuck the dragon! :] (So long as everything is safe, sane and consensual for all individuals involved!)
Dnd question, if wizard and dragon love each other very much, can they cojoin wizards tower and dragons hoard?