Answer:
What kind of coat can only be put on when wet?
I'm simple for a few people, but hard for them to hear. I live inside of secrets and bring people's worst fears. What am I?
I am carried by mad animals.
I am always around you but often forgotten. I am pure and clean most time but occasionally rotten.
Roast, boast, coast, post. What do you put in a toaster?
The answer I give is yes, but what I mean is no. What was the question?