The story of Cholkar mentions the 'threshold-ghat'. What does this mean and how did it affect him?

In Cholkar's story from Chapter 15, the "threshold-ghat" is a powerful metaphor for the financial struggles and responsibilities of managing a household. The text contrasts this with crossing a physical mountain pass, suggesting that for a common person, meeting daily expenses is an even greater challenge. This "ghat" directly affected Cholkar by preventing him from fulfilling his vow to Sai Baba in a timely manner. Even after passing his exam with Baba's grace, his poverty and the demands of his "poor household" meant he could not afford the journey to Shirdi, forcing him to postpone the trip until he could save enough money.