Answer:
I carry you down a gentle stream.
Always in you, sometimes on you. If I surround you, I can kill you. What am I?
I can be winding and I can be straight. I can be smooth and I can be rough. Sometimes both. I start out black but fade to brown. My favorite colors are yellow and white and I love stripes and dashed lines.
You hear me speak, for I have a hard tongue. But I cannot breathe, for I have not a lung. What am I?
I climb higher as I get hotter. I can never escape from my crystal cage.
No matter how little or how much you use me, you change me every month.