The text mentions a 'threshold-ghat' being difficult for Cholkar to cross. What does this refer to in his story?

In the context of Cholkar's story from Chapter 15, the term "threshold-ghat" is used metaphorically to represent the significant financial difficulties and worldly responsibilities he faced. The text explicitly states, "But for a worldly man, this 'threshold-ghat' (home expenses) is very difficult to cross." This indicates that the barrier preventing Cholkar from fulfilling his vow to visit Shirdi sooner was not a physical mountain pass, but the overwhelming challenge of managing his household finances. His struggle to overcome these worldly expenses was the reason for the long delay in his pilgrimage and a part of the penance he endured.