What does the text mean by the 'threshold-ghat' that was so difficult for Cholkar to cross?

The term 'threshold-ghat' is a poignant metaphor used in Chapter 15 to describe Cholkar's financial struggles. After passing his exam, he was eager to fulfill his vow to Baba but was held back by poverty. The text contrasts this with crossing a massive physical barrier like the 'Naneghat or the vast cliff of the Sahyadri,' suggesting that for a worldly man with a family, the daily demands of household expenses are an even more formidable obstacle. The 'threshold-ghat' represents the doorstep of his own poor home and the challenge of managing daily bread and other necessities. This financial pressure made it impossible for him to afford the journey to Shirdi, forcing him to postpone his pilgrimage until his circumstances improved.