Long, hard, and full of seamen, not my kind of wet dreaming.

I'm a loan everyone's granted, But repayments are never demanded. Fully spent, existence is ended.

If you change my first letter, I can become many things. B for water at one hundred degrees Celsius. F for cooking on a grill. T for working hard. S for earth. I'm the posture of a snake.

Created by mistake, your food I will bake. Or nuke as you may say, though dryness I will convey.

Some might that people who wear this don’t care. Add a R at the end of the word and it’s an animal that doesn’t care.