Echinoderms have a spiny skin and bone plates just below it that form an endoskeleton. Fish are cold-blooded vertebrates that live in water and breathe through gills. They have scales, fins, and well-developed circulatory, digestive and nervous systems. Invertebrates lack a backbone and have less developed nutrition and sensory systems compared to vertebrates. They may have exoskeletons, endoskeletons, or no skeleton.