The text mentions Cholkar had trouble crossing the 'threshold-ghat'. What does that phrase mean in this context?

The term 'threshold-ghat' is a metaphor used in Chapter 15 to describe the financial difficulties Cholkar faced. The text contrasts it with crossing a real geographical obstacle like the Naneghat or the Sahyadri cliffs, suggesting that for a worldly person, managing household expenses ('threshold') is an even more difficult barrier ('ghat' or pass) to overcome. Cholkar's household was poor, and everything depended on his job. This 'threshold-ghat' of daily expenses and lack of funds was the reason he had to keep postponing his promised trip to Shirdi, as he couldn't afford the journey.