What is the main character of Long Way Down referring to when he says "pockets full of rocks to become rolls, future finance." Even if you haven't read the book, what may that quote mean?

Must read story will give if ! in “perseverance,” which theme is reflected in the lines, “life’s field will yield as we make it / a harvest of thorns or of flowers”? a: life is a field in which flowers and thorns will grow. b: accept what you are given, because you cannot change it. c: your life is the result of the work you put into it. d: working together people achieve their goals in life.

What is the narrators main conflict in this passage

Could someone me with this question?