The text mentions a "threshold-ghat" being harder to cross than the Sahyadri cliffs. What does this mean in the context of Cholkar's story?

In Chapter 15, the phrase "threshold-ghat" is a powerful metaphor used to describe the immense difficulty of managing household expenses and worldly responsibilities. The author contrasts this with crossing a great physical barrier like a mountain pass (ghat) in the Sahyadri range. The point is that for a common person like Cholkar, the financial pressures of family life were a more formidable obstacle than any geographical challenge. This "threshold-ghat" was the very reason he had to delay his promised trip to Shirdi, forcing him to push his plans from "today to tomorrow" and leading him to undertake his personal vow of renouncing sugar.