Answer:
What has banks but no money a bed but no sleep waves but no ocean?
They come out at night without being called. They are lost in the day without being stolen. What are they?
Tear one off and scratch my head what was red is black instead. What is it?
I am owned by every man though my length differs. Their wives uses me after getting married.
If a man carries my burden they will get crushed to death. Though not rich I leave silver in my track.
It can be cracked, It can be made, It can be told, it can be played. What is it?