Answer:
Who works when he plays and plays when he works?
Who makes it, has no need of it. Who buys it, has no use for it. Who uses it can neither see nor feel it. What is it?
Thirty white horses on a red hill, first they champ, then they stamp, then they stand still.
Always old, sometimes new. Never sad, sometimes blue. Never empty, sometimes full. Never pushes, always pulls.
I have one, you have one. If you remove the first letter, a bit remains. If you remove the second, bit still remains. If you remove the third, it still remains.
Almost everyone needs it, asks for it, gives it. But almost nobody takes it.