Answer:
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.
There are two meanings to me. With one I may need to be broken, with the other I hold on. My favorite characteristic is my charming dimple.
It's in your hand though you can not feel it. Only you and time can reveal it.
What kind of room has no windows or doors?
What word is a plural, but when you add an "S" to the end, it becomes singular?
What did the piece of wood say when he saw the screwdriver and screws approaching?
Difficult
Animal
Easy
Food
Funny
Kids
Logic
What am I?