Many people search for me but very few find me in my truest form, the ones that do live a full life. What am I?

I bring life and prosperity to those in my reach, but I also damage and take what I preach. What am I?

A nightmare for some, for others a savior I come. My hand is cold and bleak, it's the warm harts I seek. What am I?

A question you can only answer no to. What is it?