Answer:
I dig out tiny caves and store gold and silver in them. I also build bridges of silver and make crowns of gold. Sooner or later everybody needs my help yet many people are afraid to let me help them.
What belongs to you but others use it more than you do?
I cannot be bought, cannot be sold, even if I'm sometimes made of gold. What am I?
What goes up and down but does not move?
What do you call a fish with no eye?
Give it food and it will live, give it water and it will die.