"Toads" - Philip Larken

The "toads" of the poem were rather confusing for me. One of the questions at the end asks: The first "toad is explicitly identified as "work". The literal term for the second "toad" is not named. Why not? What do you take it to be? Well for starters, I did not even think the first toad was work; I thought it was a beggar, so I am already off to a great start. I feel like this question helped me come to some understanding of the poem though because I think it sent me on the proper line of thinking. To answer the first part of the question, I believe the second toad was not named because the toad is specific for every person. It is a unique problem that everyone has to deal with such as the narrator's inability to interact with others easily: "And will never allow me to blarney My way to getting The fame and the girl and the money All at one sitting" (Larkin). The first toad is named because everybody has to deal with work, even beggars who have to work to achieve a high enough level of sympathy for money. I believe this second toad is an imperfection in everybody. It is something that is a frequently looming problem in our lives. I can not seem to make any sense of the last two lines that read, "But I do say it's hard to lose either, When you have both" (Larkin).