Based on Laxmichand's experience, what was Sai Baba's teaching regarding going into debt for a pilgrimage?

The story of Laxmichand contains a very direct lesson about financial responsibility. After Sai Baba revealed his knowledge of Laxmichand taking a loan to visit Shirdi, the narrative in Chapter 28 explicitly clarifies Baba's stance on the matter. It states that 'Baba does not like indebtedness' and that taking a loan for a pilgrimage or going on a pilgrimage while in debt is not something he approved of. This is highlighted as the 'main teaching' of this particular incident, emphasizing prudence over piety funded by borrowed money.