Answer:
I am in the middle of water but am not an island.
Tear me off and scratch my head what once red is now black.
I am constantly overlooked by everyone but everyone has me.
I have no head and a tail I lack but I do have arms and legs and back; I inhabit the palace the tavern the cot 'tis a beggarly residence where I am not. If a monarch were present (I tell you no fable) I still should be placed at the head of the table.
I dig out tiny caves and store gold and silver in them. I also build bridges of silver and make crowns of gold. Sooner or later everybody needs my help yet many people are afraid to let me help them.
A little house full of meat, no door to go in and eat.
What am I?
Animal
Difficult
Easy
Food
Funny
Kids
Logic