Icome in many shades: red, pink, yellow, orange, or white; but I'm not a crayon.
I'm fragrant, but I'm not perfume.
People put me in water, but I'm not dirty laundry.
I have a stem, but I'm not a wine glass.
People gift me on Valentine's day, but I'm not a stuffed animal.
What am I?
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?