Who Am l??

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 has a bed that you can't sleep in?

Question: What cannot be seen or felt, but can only be broken by voice?

Question: What tastes better than it smells?

Question: What goes in the water black and comes out red?

Question: What asks but never answers?