Answer:
What has banks but no money a bed but no sleep waves but no ocean?
When you need me, you must find me. When you find me, you no longer need me. What am I?
I am free the first time and second time but the third time is going to cost you money.
I run smoother than any rhyme, I love to fall but cannot climb. What am I?
I can be thin but not fat; in your body but never on your placemat. I'm always better when I'm fresh but you'll never see me in the flesh.
A little house full of meat, no door to go in and eat.