Can you explain Sai Baba's philosophy on debt as described in the Satcharitra?

Sai Baba shared a profound perspective on debt when explaining his reasons for accepting Dakshina. According to Chapter 36, he told Shama that while he was personally detached from worldly affairs, certain things like "debt, enmity, and murder—these are not escaped by the doer even at the end of an eon." He saw it as part of his work to help people redeem themselves from such obligations, including vows made and forgotten. He illustrated this by telling the story of a man who owed a vow of fifteen rupees from his first salary. Baba's collection of Dakshina was a means to free that devotee from his long-standing debt, emphasizing that he was always pleased with a devotee who is free from debt.