Answer:
What is often returned, but never borrowed?
It speaks without a tongue, and listens without ears.
Sitting down you have it, Standing up you don't.
Break it and it gets better, immediately set and harder to break again.
Defends your noggin from the hard pavement
It flows out of the soil, It burns you if it boils, And holds us in its coils, More valuable than gold, As black as it is old.