Answer:
Thousands lay up gold within this house. But no man made it. Spears past counting guard this house, but no man wards it.
Runs smoother than any rhyme, loves to fall but cannot climb!
If I have it, I don't share it. If I share it, I don't have it. What is it?
I dig out tiny caves and store gold and silver in them. I also build bridges of silver and make crowns of gold. They are the smallest you could imagine. Sooner or later everybody needs my help. Yet many people are afraid to let me help them.
You can hold it without using your hands or your arms. What is it?
What did the piece of wood say when he saw the screwdriver and screws approaching?