The text mentions the phrase "threshold-ghat" in relation to Cholkar's problems. Can you explain what this means in the context of the story?

In Chapter 15, the text compares the difficulty of crossing the vast Sahyadri cliffs to the difficulty of crossing the "threshold-ghat," which it clarifies means home expenses. This metaphor is used to explain why Cholkar delayed his trip to Shirdi after passing his exam. While a person might conquer a great physical obstacle, the relentless and practical pressures of worldly life, like managing a poor household's finances, can be an even more formidable barrier. For Cholkar, this "threshold-ghat" was the reason he had to postpone fulfilling his vow, forcing him to push his plans from "today to tomorrow" because he couldn't afford the journey.