Cents and Cents-Ability

I'm pitched and I'm pinched and
and I'm saved and I'm earned.
I get lost , I get found
but I'm rarely returned.

I make wishes come true
when I'm tossed in a well.
And I'm all that thoughts cost,
but they're still a tough sell.

There's a Lane named for me
in a cool Beatles song.
Of course, girls have been named after me
all along.

I look great in a loafer
but I make a cheap tip.
And when I must make hard decisions...
I flip.

WHAT AM I?
(C) 1998, Arden Davidson

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A Penny!