Not really.
Firstly, you're just making a lot of stuff up or inferring it from the most tenuous links.
Goblins do have large/hooked noses in a lot of media, but the obsession with gold is kind of unique to Harry Potter
Those are your words, not mine. I provide similar examples, to which you say "you're making stuff up."
If you want to debate dishonestly, that's your prerogative, but don't expect people to not call you out for it.
You may as well say that greed is a stereotypical quality of humans because humans in so many fantasy settings use gold as currency.
...seriously?
Okay, now that I've cut through the straw, here's the difference:
1) Humans are real, goblins aren't
2) We know how humans operate in the real world, and even the most fantastic of fictional settings reflect this, or in some cases, make efforts to subvert it. Goblins, not being real, can operate under a completely different set of rules.
3) Goblins having hooked noses and loving gold is a common trope. Humans using currency and lusting after gold isn't, because humans do use currency, and do value gold, and these are behaviours that cut across various cultures.
It's certainly possible to stereotype human cultures in fiction, but this idea is more tenuous than anything else.
Secondly, the characterization of goblins in Harry Potter is extremely specific. Again, they are a persecuted minority who has become a cabal of secretive, insular bankers. They aren't just greedy, they are naturally proficient and finance and they use this ability to control the economy and to advance their collective, racial interest.
There is a difference between popular antisemitism ("Jews are greedy") and conspiratorial antisemitism ("Jews are greedy because they seek financial control as a means to increase their collective power"). The former is such a vague stereotype that it's pretty hard to identify as a literary reference. The latter is not, the latter is extremely specific.
Look, nothing about what you said about the goblins above is incorrect (though if they're doing it to advance their racial interest, they don't seem to be doing a good job of it). I just don't see it as an automatic equivalent.
I'll put it this way. Goblins, in the setting, are the way you describe them as being. From the Doylist POV, I can think of two explanations:
1) Rowling took the folklore of goblins, including their physical appearance and love of gold, and went with it by putting them in control of the banks
2) Rowling, intentionally or otherwise, based the goblins on the Jewish stereotype you describe
There's other explanations, and the explanations above aren't mutually exclusive. But the reason I find the first option more likely is the following:
-If it was intentional, it seems unlikely, because the work has an anti-prejudical message that includes Nazi references. The work would simultaniously be attacking Nazi stand-ins, while also sattarizing the very people the Nazis tried to exterminate.
-The series is already full of other creatures from folklore that are given their own spin in the setting. Goblins aren't unique in this regard
-There's too much in the goblin lore of the setting that doesn't appear to have a Jewish analogue. Yeah, okay, the bank thing is potentially one, but I don't know what the equivalent is of goblin rebellions, or their superior craftsmanship, or their different concept of ownership.
Look, maybe you're right. Maybe the goblins are Jewish stand-ins. But I'm sorry, I just can't see it as being definitive.
Every being of human or near-human intelligence that we know of is human.
Um, are you talking about the real world, or fictional worlds? Because if the former, then, no. Obviously intelligent animals exist, that doesn't mean the animals are human. And if you're talking about fictional worlds, then, um, also no? It's not uncommon to have different species of sapients in a setting, that doesn't mean that they're human. Unless you're adopting the position that any fictional species is human from a literary standpoint because it's humans writing them, and will ascribe behaviour that's recognisably human in some form, but even that seems like semantics, and ignores the trope of "so intelligent as to be beyond human comprehension."
House elves are clearly intelligent. They can speak and perform complex tasks and do things that, in our world, only humans can do. The fact that they're not human is a technicality at best, even if we leave aside the fact that extremely similar arguments have been used to justify the enslavement of people who actually were humans.
Look, nothing in that is technically false, but house elves not being human is relevant, at least in the sense that they're a species with different goals and ideals. By the rules of the setting itself, house elves enjoy serving humans. Some humans can, and do, abuse that desire. If the house elves were human, then things would get a lot more complicated, because we know how humans in the real world operate, that no-one seeks their own enslavement. But since they aren't, then the series gets a lot more leeway.
This isn't even confined to house elves, not even in the setting itself. Like, the dementors. The way they function is completely alien to us. But since the dementors are literally a different species, then again, I, at least, don't have a problem accepting that that's the way they operate. Unless, I dunno, the dementors are meant to be an allagory for the prison-industrial complex or something, but I doubt it.
Then there's little point discussing it, because if you choose to define "eugenics" differently from the standard definition, then while that's your prerogative, it shuts down discussion if no-one can agree what's actually being discussed.
en.wikipedia.org
That's just off the top of my head.
There's a consistent pattern with the way you argue, it goes something like this.
"The Empire in Star Wars are a clear reference to Nazi Germany."
"Pfft, I find that hard to believe. Stormtroopers in Star Wars wear white, while Nazi Stomtroopers wore brown. Also, the Empire is in space whereas Nazi Germany was in Europe. Are you saying that George Lucas created Star Wars as some kind of pro-Nazi movie? Really, you couldn't make it up."
It's tiresome, because it implies you don't understand what a reference is. A reference doesn't need to be a 1:1 analogy, it doesn't need to have a clear political purpose.
Yeah, I'm feeling tired right now, but let me explain some stuff.
No, a reference doesn't need to be 1: 1 to be a reference, but a reference, by definition, is intentional. It's why, on Wikia for instance, there's a common rule of thumb to use the term "possible reference" rather than "reference" in trivia sections, because there's a distinction between the creator saying "X is a reference to Y" and the editors noticing a similarity, but not having concrete proof. Even if we're 99% percent sure that it's a reference, we still use the term "possible," because we lack the citation. When we do have citation, "possible" is removed.
Of course, this isn't Wikia, but it's related to something you touch on, but skirt. No, it doesn't need to be 1:1. But if we're using numbers, then when does it stop being a reference? 0.5:1? 0.3:1? 0.1:1? I can even use Star Wars as my own example, and even with the Empire.
In Revenge of the Sith, my take on things was that it was a reference to the Roman Republic transitioning to the Roman Empire. I've given my reasons over time. However, turns out, I was wrong, Lucas wrote it to be a reference to the War on Terror. Now, we can debate Authoratorial Intent vs. Death of the Author, but the distinction here between, say, the goblins, is that we actually have a statement from the author in this case. And even the Empire being based on Nazi Germany, while that isn't an unreasonable declaration, it is a declaration that's actually correct, because it's been stated as such (supposedly, according to Wookiepedia).
So, no. Something doesn't have to be a 1:1 reference to be a reference. But people are going to see things differently. If you see goblins as Jews, and house elves as slaves, then that's your prerogative, but that doesn't mean everyone is going to agree. And unless there's some kind of statement of intent, there'll always be disagreement, and even then, there'd probably be disagreement besides.