Answer:
Covered in stone and sun. It's home to many but also none. What is it?
I dig out tiny caves and store gold and silver in them. I also build bridges of silver and make crowns of gold. They are the smallest you could imagine. Sooner or later everybody needs my help. Yet many people are afraid to let me help them.
The person who makes it has no need for it. The person who purchases it does not use it. The person who does use it does not know he or she is. What is it?
I am always in front of you, but you will never see me. What am I?
What is eaten but not grown and was born in water but will disappear if soaked?
They are many and one, they wave and they drum, Used to cover a state, they go with you everywhere.