The text mentions a 'threshold-ghat'. What does this refer to in Cholkar's story and how did it impact him?

In Cholkar's story, the term 'threshold-ghat' is a metaphor for the immense difficulty of managing household expenses. Chapter 15 explains that while one might be able to cross a geographical obstacle like the Sahyadri mountains, this 'threshold-ghat' of home expenses is very difficult for a worldly man to overcome. This financial hardship was the direct cause of the delay in Cholkar's journey to Shirdi to fulfill his vow. The impact was significant, as it led him to undertake a personal penance where he gave up sugar until he could afford the trip, showing the profound effect his financial struggles had on his spiritual life.