Answer:
What do people spend a lot of money on every year but never want to use it?
If you have me, you want to tell me. If you tell me, you don't have me.
A stylish winter top that covers your larynx.
A small hill with seven holes.
Made of ten but two we make, When assembled others quake, Five apart and we are weak, Five together havoc wreak. What are we?
I am the fountain from which no one can drink. For many I am considered a necessary link. Like gold to all I am sought for, but my continued death brings wealth for all to want more.