I am dark and bitter, but can be milky sweet. I was a luxury for Kings, but now for all to treat. What am I?

My first's in tank, But not in panzer, My second's in carrot And also in tarot, My third is in lap, But not in recliner If one were to peer at every odd line, A further clue might emerge over time I'm a master of spin, the best you might say So what is this riddle trying to convey?

One wee soldier, Among the ranks, Which surround, To guard the flanks. I brace myself, As hand draws near, A little pinch, My death you hear.

In a porcelain sea, I recline with glee, A vessel of warmth, where bubbles roam free.

It symbolizes family, belonging, and a sense of security Yet you can have all of those without possessing it It's just two to three decades of mortgage payments away