According to the text, what is Sai Baba's main teaching regarding debt and pilgrimages?

The provided text from Chapter 28 highlights a very practical teaching from Sai Baba concerning financial matters. In the context of devotees making arrangements for a pilgrimage, the scripture notes that they took a loan because of a shortage of money. It then immediately clarifies Baba's stance on this practice, stating, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This shows that Sai Baba advised against incurring debt, even for sacred duties like a pilgrimage, emphasizing financial prudence as an important principle for his devotees.