Answer:
I wear a red robe with staff in hand and a stone in my throat.
I dig out tiny caves and store gold and silver in them. I also build bridges of silver and make crowns of gold. Sooner or later everybody needs my help yet many people are afraid to let me help them.
Always in you, sometimes on you. If I surround you, I can kill you. What am I?
My days are numbered.
I am not very commonly found! Only in some rainforest! I have an odd number of toes! I'm very lazy and hang upside down! What am I?
Whoever made me don't want me. Whoever bought me don't need me. Whoever use me don't know me.