Here's a simple riddle I came up with myself. If this puzzle already exists elsewhere on the Web, please forgive me, I didn't know about it.
As a whole, I'm charmed. Remove two letters from the start and end, I make music. Remove one more letter from the end of the previous result, and I'm afraid I'm unable. Remove three letters from the start and end, and I'm one in a million. What am I?
The answer is one word, and yes, it's a real word.