Answer:
I can be quick and then I'm deadly, I am a rock, shell and bone medley. If I was made into a man, I'd make people dream, I gather in my millions By ocean, sea and stream.
I appear in the morning. But am always there. You can never see me. Though I am everywhere. By night I am gone, though I sometimes never was. Nothing can defeat me. But I am easily gone.
What is the heart of many risks, has a heart, but is not a living being?
Double my number, I'm less than a score. Half of my number is less than four. Add one to my double when bakers are near. Days of the week are still greater, I fear.
A hole in a pole, though I fill a hole in white. I'm used more by the day, and less by the night.
What never gets any wetter no matter how hard it rains?