Answer:
What do people spend a lot of money on every year, but never want to use?
I have a tongue, but cannot speak. I have a bed but cannot sleep. I have four legs but cannot walk. Yet I move as you do. What am I?
I'm sometimes white but most often I'm black. I take you there but never bring you back.
I have a strong affection for belly buttons.
If you lose me you may cause people around you to lose me too.
It flows out of the soil, It burns you if it boils, And holds us in its coils, More valuable than gold, As black as it is old.