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.
I can be found in water but never wet
I cannot be burned in fire or drowned in water. What am I?
I am between earth and heaven. What am I?
I am a ship that can be made to ride the greatest waves. I am not built by objects, but built by minds. What am I?
Why was the cook arrested?