You may wish to look into American Indian history more. Relatively few Native American tribes lived in tepis. There are also many reasons why North American peoples may not have adopted stone dwellings -- some of them were nomadic, or at least changed residents more than once a year. Wood would have been far more abundant and easier to use. Few tribes would have been big enough to warrant whole Central American-style cities. And a substantial percentage of Indian tribes did practice agriculture, but not necessarily European-style agriculture.
...also, I'm not sure anyone, ever has actually built a city of gold. Far too impractical.