Based on the story of Appasaheb, why did Sai Baba appear as a Fakir to collect a debt?

According to the narrative in Chapter 33, Sai Baba's appearance as a Fakir to Appasaheb was an act of love and a means to help Appasaheb fulfill his word. Appasaheb had mentally promised to give ten Rupees, creating a spiritual debt. The text explains that Baba came in the form of a Fakir because of his love for Appa and to create a 'pretext for Dakshina.' It explicitly asks, 'had there been no love for Appa, why would Baba come in Fakir form?' This shows that Sai was not a common beggar but a divine guide who would even go to the extent of returning what was given, orchestrating the interaction to teach a lesson about commitment.