Answer:
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.
Who is it that rows quickly with four oars, but never comes out from under his own roof?
When it comes in, From sea to shore, Twenty paces you'll see, No less, no more.
Feed me and I live, give me drink and I die.
What is weightless but takes two people to hold it?
According to the music industry, you can count on a midnight train and the devil to turn up here.