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.
A hill full, a hole full; yet you cannot catch a bowl full. What is it?
They are many and one, they wave and they drum, Used to cover a state, they go with you everywhere.
I have many feathers to help me fly. I have a body and head, but I'm not alive. It is your strength which determines how far I go. You can hold me in your hand, but I'm never thrown.
What can answer in any language? What can speak without a mouth? What can sing without an ear?
I can only be played on a windy day