Answer:
What do people spend a lot of money on every year, but never want to use?
I am the signature stroll of ducks and penguins
I am a type of animal that hang out in the mist
Sometimes I am white, sometimes I am dark. Most people love me. What am I?
Sometimes dark and sometimes bright I make my way among twinkling lights. Seas and oceans obey my call yet mountains I cannot move at all. My face is marred and gray But I'm majestic anyway
Almost everyone needs it, asks for it, gives it. But almost nobody takes it.