I Am Sweet And Cold With A Stick To Hold

Answer: Ice Cream.  Here's a breakdown of the clues: "I am sweet and cold": This directly describes the primary qualities of ice cream. "with a stick to hold": This specifies a common way ice cream is served as a convenient handheld treat, often with a wooden stick. "a treat on a hot day, worth more than gold": This highlights the refreshing and highly desirable nature of ice cream when the weather is hot.  Source: https://riddles.com/index.php/1276