Answer:
I am rarely touched but often held. If you are smart you'll use me well. What am I?
What is always in front of you but can't be seen?
I am free the first time and second time but the third time is going to cost you money.
I have four fingers and a thumb, but I'm not living. What am I?
I am an instrument capable of making numerous sound but cannot be touched or seen.
Give it food and it will live, give it water and it will die.