Sometimes I am loved, usually by the young. Other times I am dreaded, mostly by the old ones. I am hard to remember, also hard to forget. And yet if you do, You'll make someone upset. I occur every day everyone has to face me. Even if you don't want it to happen; embrace me. What am I?
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?