Riddle Poem

I drip, I drop
I splash and crash.
I could make you die,
or simply keep you alive.

I'm hot and i'm cold,
I can destroy a home.
I come in many forms,
In different kinds of storms.

I am luminous and clear,
I may be something you fear.
I am barbaric and untamed,
A life, I could claim.

I am a bank that needs no money,
I shine when it is sunny.
I run but have no feet,
And roar, but have no mouth.