Can you explain Sai Baba's philosophy on debt and Dakshina as he explained it to Shama?

In Chapter 36, Sai Baba explains to Shama that his actions regarding Dakshina are not about personal gain but about settling karmic debts. He clarifies, "I don't take anything from anyone. Mother Masjid demands what is owed, and the giver becomes free from debt." Baba emphasizes his own detachment from wealth, stating that debt, enmity, and murder are inescapable for the doer, even across eons. He illustrates this with the story of a man who had vowed his first salary of fifteen rupees to God but forgot as his wealth grew. Baba's request for Dakshina was merely a pretext to help the man fulfill his long-forgotten vow and clear his spiritual debt.