The text mentions a "threshold-ghat" being difficult to cross. What does this metaphor refer to in the story of Cholkar?

In the story of Cholkar, the metaphor of the "threshold-ghat" is used to describe the immense difficulty of managing household expenses and financial obligations. Chapter 15 explains that after passing his examination, Cholkar delayed his promised trip to Shirdi. The text states, "One might cross the Naneghat or the vast cliff of the Sahyadri, But for a worldly man, this 'threshold-ghat' (home expenses) is very difficult to cross." This powerful comparison highlights that for Cholkar, a man from a poor household, the financial burden of daily life and supporting his family was a more formidable obstacle than crossing a treacherous mountain pass. It was this financial struggle that prevented him from immediately fulfilling his vow to Sai Baba.