Can you explain Sai Baba's philosophy on accepting Dakshina, based on his response to Shama in Chapter 36?

In Chapter 36, when questioned by Shama about his seemingly partial behavior with Dakshina, Sai Baba provides a profound explanation. He clarifies that he personally does not take anything from anyone, stating, "What house do I have, or what family life? Why would I need wealth?" He reveals that it is the "Mother Masjid" who demands what is owed, and by giving, the person becomes free from a pre-existing debt. Baba emphasizes his own detachment from worldly wealth and then makes a powerful statement that debt, enmity, and murder are inescapable karmic ties that one cannot escape, even after a very long time.