Answer:
What always runs but never walks, often murmurs, never talks, has a bed but never sleeps, has a mouth but never eats?
Who works when he plays and plays when he works?
A leathery snake, with a stinging bite. I'll stay coiled up, unless I must fight.
No matter how little or how much you use me, you change me every month.
You get many of me, but never enough. After the last one, your life soon will snuff. You may have one of me but one day a year, When the last one is gone, your life disappears.
Almost everyone needs it, asks for it, gives it. But almost nobody takes it.