Answer:
What do people spend a lot of money on every year, but never want to use?
When I live I cry if you don't kill me I'll die.
I fly yet I have no wings. I cry yet I have no eyes. Darkness follows me. Lower light I never see.
I am the building with the most number of stories. What am I?
I am a mother from a family of eight. Spins around all day despite my weight. Had a ninth sibling before founding out it's fake.
No matter how little or how much you use me, you change me every month.