Answer:
I am easy to see but no one likes looking at me. Without me there would be no you. I can make you complain or make you happy. But you almost always take me for-granted.
I dig out tiny caves and store gold and silver in them. I also build bridges of silver and make crowns of gold. Sooner or later everybody needs my help yet many people are afraid to let me help them.
I can run but not walk. Wherever I go, thought follows close behind. What am I?
I am the second L in LOL.
What has a thumb and four fingers but is not alive?
No matter how little or how much you use me, you change me every month.