A.k.a. thighs --- a guy can temporarily hide his "junk" by tucking it back behind him and then pressing his thighs together, so that he is at least a little more "decent" if he's unexpectedly "caught in the buff".
A gal doesn't really have much of anything particularly "obvious" to hide "down there", so she wouldn't need built-in swimming-trunks; now, if only she had something "up top" to hide da "baby-feeders" in an emergency... I guess her arms and hands can sometimes adequately suffice, although that is usually only effective if she's fairly "small" in the "girly" department.
Someone who is addicted to obtaining money and building wealth. A money addict and fanatic. Breadheads often work more than one full-time job, and some even participate in illicit activities to "obtain the bread".