What does the cryptic crossword clue "Those folk must hoard gold: that's the thinking (6)" mean?

The definition is "the thinking". The wordplay uses a container (one word inside another). OR (synonym="gold") in THEY (synonym="those folk") = THEORY; definition: "the thinking" The answer is THEORY.

Those folk must hoard gold: that's the thinking (6)

Times Cryptic #29092 | 28 Across | 2024-12-05 flower

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