I Dig Out Tiny Caves, And Store Gold And Silver In Them

Read the hints given in the riddle and guess the word.


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?

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