Answer:
What comes once in a minute twice in a moment but never in a thousand years?
I am made by nature soft as silk; A puffy cloud white as milk; Snow tops this tropical crop; The dirtiest part of a mop.
I am rarely touched but often held and if you are smart you'll use me well.
Travel a mile and I will change, travel a million and I will end as I started. What am I?
What has banks but no money a bed but no sleep waves but no ocean?
Whoever made me don't want me. Whoever bought me don't need me. Whoever use me don't know me.