Who is the devotee described as 'swimming in an ocean of joy' on the outside but tormented by a 'crocodile of a difficult inner worry' on the inside?

This powerful metaphorical description from Chapter 14 refers to Ratanji, the wealthy Parsi merchant. From an external perspective, he appeared to be 'swimming in an ocean of joy day and night' due to his immense wealth, property, and charitable nature. However, the text reveals that this was only a surface-level view. Internally, he was constantly tormented by the 'crocodile of a difficult inner worry,' which was his deep-seated sorrow and anxiety over not having a son. This single unfulfilled desire overshadowed all his material prosperity, making his happiness incomplete.