Can you explain the meaning of the 'threshold-ghat' mentioned in the story of Cholkar?

In Cholkar's story, the term "threshold-ghat" is a powerful metaphor for the overwhelming challenge of managing household expenses. Chapter 15 contrasts this with crossing a physical mountain pass like the Naneghat, suggesting that for a person with worldly responsibilities, meeting financial obligations and running a home is an even more difficult obstacle to overcome. This concept was central to Cholkar's predicament, as it was this very "threshold-ghat"—his inability to afford the journey—that forced him to postpone his promised trip to Shirdi, leading to his personal vow of giving up sugar.