Answer:
What is often returned, but never borrowed?
They come out at night without being called, and are lost in the day without being stolen. What are they?
What does a stone become when in the water?
They are Dark, and always on the run. without the sun, would be none!
You might accuse someone living with a stolen identity of being this.
Almost everyone needs it, asks for it, gives it. But almost nobody takes it.