Any sort of Insurance.
I was always in the beginning of time but faded as time passed by. When people use me in a sentence they never forget to use good grammar. When people play dice with me they never win against me but I hate gambling. When people find me they always get a heart of a lion. Who am I?
A truck was carrying a very large load. It began to lose its load. A lot of people saw it, but no one told the truck driver. Why not?
It can be thin, But not fat; You need it around, it promises not to Crowd you; Some use a lot of it, especially if they like to chat. What is it?