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.
What am I?
Our dinner guests cry that we are evil, when they notice their place in the meal. But its no big deal why; we are just one big happy tribe! And we get really fed up with people!
Who, What or Are we?