Fish can only produce as much ammonia as the protein in their food allows; they cannot manufacture nitrogen atoms out of thin air. If goldfish produce more ammonia than other fish it's simply that they eat more so you put more food in. This should always be borne in mind when a given fish is called a "big waste producer". The only real waste producer is fishfood.
Given the temperature garden ponds even in the UK reach in the summer, and the rather large and healthy goldfish I've seen in ponds in Kew Gardens in the tropical houses, I doubt if temperature is really an issue with goldfish. The reasons I would give are:
1) Size. Goldfish will quickly reach a size where they will predate many tropical species - guppies included. But you could say that about a lot of tropicals as well.
2) Food. Goldfish are largely vegetarian. But so are silver dollars, mollies, you name it...
3) It just looks wrong. Subjective, but significant when an aquarium is an aesthetic object. But I'd say the same about sunken galleons, Greek columns, corals and God knows what some people put in their tropical freshwater tanks.
4) Size. Common goldfish are too large for most tanks. Also true, however, of many tropicals.
5) Finnage. The fancy varieties are going to get minced by many popular fish. But this is, again, true of many tropical species as well.
Darnit. Can't actually think of a good reason which isn't also true of some tropical species. I wouldn't do it myself because (a) I like to keep wild type specimens of fish rather than domesticated forms (I don't mean actual wild fish, I mean, for example, angelfish with vertical stripes rather than black, koi, or any other variety) which goldfish aren't, and (b) they'd eat my plants.