Baba says his Guru asked for money yet was desireless. How is this explained, and how does the gem-and-stone analogy relate to a disciple's development?

In Chapter 19, Sai Baba resolves this apparent contradiction by explaining that the 'two paise' his Guru requested were not coins but metaphors for the virtues of 'Faith (Nishtha) and Patience (Saburi).' His Guru had no need for worldly money; he was instructing his disciple on what was truly valuable. This connects directly to the gem-and-stone analogy Baba presents. He explains that both a stone and a gem are rubbed on the same whetstone (representing the Guru's presence and guidance). However, while the stone only becomes smooth, the gem becomes a 'brilliant jewel.' This illustrates that even with a powerful Guru, the disciple's own inherent quality and readiness—their faith and patience—determine the outcome. The Guru provides the opportunity for polish, but only a worthy disciple (the gem) can truly transform and gain spiritual luster.