What Am I Riddles

Question: A powerful spell, the naive knows it well; one cast at an affair for your most popular gown. No sticks, no stones, a mage sans tomes, a fight, no toil but it still breaks you down.

Question: The person who buys me doesn't need me, the person who makes me doesn't want me, and the person who uses me can't appreciate me.

What am I?

Question: What has 4 fingers and a thumb, but is not living?

Question: I take what you receive and surrender it all by waving my flag.What am I?

Question: I wear a red coat and have a stone in my throat.

What am I?