It is part of human nature. The drive to become rich, and to take the gold, is the whole reason that the dwarves started off in the first place. They were greedy for the wealth. They were blinded to the position that they were in. Even when Bilbo took the Arkenstone Thorin didn't pay attention, and turned his back on him.
Hello. You did not enter the text to which this question refers, which makes it impossible for this question to be answered satisfactorily and efficiently. However, I can try to help you by showing you what a dilemma is and thus making it easier for you to find Tom's dilemma in the text you have.
A dilemma is a problem that has two solutions, but the two solutions are contradictory, the two have bad and unsatisfactory results, but it is necessary for Tom to decide and choose one of these solutions, even if that does not make him happy.