Answer:
Die without me, never thank me. Walk right through me, never feel me. Always watching, never speaking. Always lurking, never seen.
My first keeps time, my second spends time, my whole tells time.
What is often returned but is never borrowed?
I can ruin your day, or darken your life. And while I'm expected, I'm never alright. I'm bad for business, and worse for your hair. Wherever I am, there's something not there.
Steals an event or even a mood. Reveals the truth or shatters it.
What is so fragile that saying its name breaks it?
Difficult
Animal
Easy
Food
Funny
Kids
Logic
What am I?