Based on Laxmichand's story, what is Sai Baba's teaching regarding taking on debt for a pilgrimage?

Laxmichand's story contains a very clear moral about financial responsibility. When Laxmichand arrived in Shirdi, Baba revealed his knowledge that the devotee had borrowed money to fund the pilgrimage. While Baba's grace was still bestowed, Chapter 28 explicitly states a key takeaway from this interaction. The text highlights that 'Baba does not like indebtedness' and that taking a loan or being in debt for a pilgrimage is not something He approved of. This serves as the main teaching from this particular part of Laxmichand's experience.