Can you explain Sai Baba's teaching on indebtedness and how it's mentioned in the story of Laxmichand?

In the context of Laxmichand and his group making arrangements for their pilgrimage, the narrative in Chapter 28 explicitly states a key teaching from Sai Baba. Although it mentions the group may have taken a loan, the author clarifies Baba's principle on the matter. The text emphasizes, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This shows that while Baba welcomed all devotees, He disapproved of them incurring debt for spiritual journeys, highlighting a practical and ethical guideline for his followers.