Answer:
Goes over all the hills and hollows. Bites hard, but never swallows.
This is in a realm of true and in a realm false, but you experience me as you turn and toss.
I can be quick and then I'm deadly, I am a rock, shell and bone medley. If I was made into a man, I'd make people dream, I gather in my millions By ocean, sea and stream.
Though I wander the earth, I am no longer here. I am pale and I chill everyone near. Who am I?
What is often returned but is never borrowed?
It rows quickly with four oars but never comes out from under his own roof. What is it?