Cholkar passed his exam thanks to Baba's grace, so why did he delay fulfilling his vow to visit Shirdi?

According to Chapter 15, despite passing his crucial examination with Sai Baba's grace, Cholkar was unable to immediately fulfill his vow due to his extreme poverty. The text describes his situation as a "poor household" and notes that "everything depends on a job." Fulfilling the vow required a journey to Shirdi, and as the scripture puts it, "One must have something in hand for the journey; How could he go empty-handed?" He had to keep postponing the trip. The difficulty of managing home expenses is metaphorically described as a "threshold-ghat," which is even harder for a worldly man to cross than a vast mountain cliff, highlighting the severe financial hardship that caused the delay.