The text mentions a 'threshold-ghat' being difficult to cross. How does this concept apply to Cholkar's story?

The term "threshold-ghat" in Cholkar's story symbolizes the overwhelming burden of household expenses and worldly responsibilities. Chapter 15 explains that while one might be able to cross a vast physical obstacle like the Sahyadri cliffs, this "threshold-ghat" of managing daily finances is incredibly difficult for a person in worldly life. For Cholkar, this meant that even after passing his exam with Baba's grace, he couldn't immediately afford the journey to Shirdi to fulfill his vow. This financial struggle was the primary reason for the delay, highlighting a realistic challenge that was a greater test than a physical mountain pass.