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?
I have a bed but I do not sleep.
I have a mouth but I don't eat.
You hear me whisper, but I never talk.
You can see me run, yet I never walk.
What am I?