Based on Laxmichand's story, what can we learn about Sai Baba's teachings on debt and devotion?

Laxmichand's story in Chapter 28 offers valuable insights into Sai Baba's teachings. Firstly, it is explicitly noted that 'Baba does not like indebtedness' and that going on pilgrimage with debt is discouraged, emphasizing a core principle of financial prudence. Secondly, the narrative illustrates that true devotion is cultivated through direct experience. Baba revealed his divine nature to Laxmichand not through lectures, but by responding to his silent thoughts—his craving for khaja and his concern over Baba's cough. This direct experience of Baba's grace is what solidified Laxmichand's faith, showing that personal realization is the path to unwavering devotion.