Can you explain Sai Baba's philosophy on debt as introduced in the story of the Goa gentlemen?

In Chapter 36, when confronted by Shama about his perplexing handling of Dakshina, Sai Baba begins to explain a profound spiritual concept. He clarifies his own position by stating, "Shama, you don't know; I don't take anything from anyone." He reveals that it is the "Mother Masjid" who demands what is owed, allowing the giver to become free from their obligation. This implies a karmic mechanism at play, where he is merely a facilitator. Baba emphasizes his complete detachment from worldly wealth and then makes the powerful statement that "debt, enmity, and murder—these are not escaped by the doer even at the end of an eon," connecting the monetary transaction to inescapable karmic consequences from past lives.