He digs out tiny caves Puzzle

He digs out tiny caves and stores gold and silver in them. He also built bridges of silver and made crowns of gold. They are the smallest you could imagine. Sooner or later everybody needs his help, yet many people are afraid to let him help them. Who is he?




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You can win me and lose me but never buy me
You can not eat me and never want to part with me
I can make you cry or bring you joy
I am not a machine and definitely not a toy
You keep me but i am not forever just yours
You might find me in a case or on a shelf next to a vase
I am hard and i am tall if you bump me i am sure to fall
I am made of different materials and am at many events
If your lucky and fight hard I might be yours
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The day before the 1996 U.S. presidential election, the NYT Crossword contained the clue “Lead story in tomorrow’s newspaper,” the puzzle was built so that both electoral outcomes were correct answers, requiring 7 other clues to have dual responses.