Answer:
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.
I am always running but I never get tired or hot. What am I?
I have hands but cannot clap. What am I?
I have every color but no gold.
What is always coming but never arrives?
When is it bad luck to see a black cat?