The text mentions a 'threshold-ghat' being difficult for a worldly man. How does this relate to Cholkar's story?

In Chapter 15, the term 'threshold-ghat' is a metaphor used to describe the immense difficulty of managing household expenses. The text contrasts this with crossing a physical mountain pass like Naneghat, suggesting that for a 'worldly man' like Cholkar, meeting domestic financial obligations is the more challenging obstacle. This directly relates to his story because it explains why he couldn't immediately fulfill his vow to Baba after passing his exam. Despite his wish being granted, his poverty and the demands of his household—his 'threshold-ghat'—prevented him from affording the journey to Shirdi. This financial struggle was the direct cause for the delay and his subsequent penance of giving up sugar.