Riddles

I came across these two riddles when I was playing Silent Hill Homecoming few days back.

1. "What man loves more than life,
Fears more than death or mortal strife,
What poor men have, the rich acquire,
What misers spend, whats wastrels save,
and each man carries to the grave?"


2. "The man who devised it
does not want it,
the man who bought it does not use it,
the man who used it does not realize it".


Of course, I figured both out. And it was made easier because there were picture clues.