Answer:
What is it that you must give before you can keep 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.
What has two spines and a lot of ribs, and carries much but never moves?
A mighty weapon in the war against winged household pests.
As light as a feather, but you can’t hold it for ten minutes.
It rows quickly with four oars but never comes out from under his own roof. What is it?
Difficult
Animal
Easy
Food
Funny
Kids
Logic
What am I?