Based on his interaction with Shama, what is Sai Baba's philosophy on accepting Dakshina?

In Chapter 36, Sai Baba explains his philosophy on Dakshina to a questioning Shama. Baba states that he personally does not take anything from anyone, as he has no house, family, or need for wealth and is completely detached. He clarifies that it is the 'Mother Masjid' that demands what is owed, and by giving, the person becomes free from their debt. Baba emphasizes that certain things like debt, enmity, and murder are inescapable and follow the doer, implying that the acceptance or rejection of Dakshina is tied to these deeper karmic principles rather than the monetary value itself.