What Am I Riddles

Question: 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 am I?

Question: What's black, white, and red all over?

Question: I am made throughout the world, I am a masterpiece. And to your ears, I am but a humble feast. I am but a traveler, depicted through paper as a start, I can even be made through the work of your heart. What am I?

Question: Touching me is inevitable, I send chills down spines, yet none fear me. What am I?

Question: I'm the son of water, but when I return to water, I die. Who am I?