Pronounced as one letter,
And written with three,
Two letters there are,
And two only in me.
I am double, I am single,
I am black blue and grey,
I am read from both ends,
And the same either way.
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?