Can you explain the significance of the phrase 'threshold-ghat' in the story of Cholkar?

In the story of Cholkar from Chapter 15, the term 'threshold-ghat' is used metaphorically to explain why he delayed fulfilling his vow to Sai Baba. A 'ghat' can refer to a difficult mountain pass, like the Naneghat mentioned in the text. By creating the compound term 'threshold-ghat', the author illustrates that the financial struggles and expenses of maintaining a household can be as difficult, or even more difficult, for a common person to overcome than a vast physical obstacle. It signifies the worldly pressures and financial constraints that kept Cholkar from immediately traveling to Shirdi, forcing him to push his plans from "today to tomorrow" until he could afford the journey.