It's sometimes said that water is a universal solvent. do a little research in this term why do some people call it this? what aspect of its structure makes it a good solvent? if a "universal solvent" could dissolve anything what problems might you imagine that it would cause in everyday life ?

Water is known as a universal solvent as it possesses the tendency to dissolve different kinds of components in comparison to any other solvent. The chemical structure of water like its atoms exhibits a balanced electrical charge and alignment of polar makes it capable of differentiating various ionic components and provides balanced attraction to various elements, which is appropriate for any substances or life forms.  

Though this could be an issue in everyday life as considered as a universal solvent it does not essentially dissolve each of the components. As water solitarily cannot be used in getting rid of oils as it cannot dissolve fats and waxes, and in dissolving huge concentrations of sugar and salt in the body.  

answer is: naturally occurring solid, inorganic compound or element is mineral.

minerals usually have crystalline form, that means than crystal constituents (atoms, molecules or ions) are arranged in a highly ordered microscopic structure, forming a crystal lattice that extends in all directions.

for example magnetite is a mineral of iron oxide (fe₂o₃).

calcite is a carbonate mineral and the most stable polymorph of calcium carbonate (caco₃).

dolomite is an   carbonate mineral composed of calcium magnesium carbonate (camg(co₃)₂).