Answer:
I can ruin your day, or darken your life. And while I'm expected, I'm never alright. I'm bad for business, and worse for your hair. Wherever I am, there's something not there.
My first is an insect; my second is a border; my whole puts the face in a tuneful disorder.
Take one out and scratch my head, I am now black but once was red.
When young, I am sweet in the sun. When middle-aged, I make you gay. When old, I am valued more than ever.
What goes in, but never through? I've got some and so do you. We might lend one, or even two, but only if our trust is true.
Break me and I am better immediately set and harder to be broken again.
Difficult
Animal
Easy
Food
Funny
Kids
Logic
What am I?