According to the story of Laxmichand, what was Sai Baba's primary teaching regarding debt?

The account of Laxmichand in Chapter 28 begins by establishing an important teaching from Sai Baba about financial responsibility. The text notes that Laxmichand had to take a loan to make arrangements for his pilgrimage due to a shortage of money. The Satcharitra then immediately provides commentary on this action, explicitly stating, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This clearly indicates that, despite his compassion for devotees, Sai Baba fundamentally discouraged the practice of going into debt, particularly for religious observances.