Can you explain the story about Karnik and the Rupee he gave in Nashik? It seemed like Sai Baba himself took it.

Certainly. In Chapter 33, the story of Karnik's visit to Nashik is recounted. While at the temple of Kala Rama, Karnik had an unexpected encounter with the saint Narsing Maharaj. In the midst of other devotees, Maharaj suddenly got up, held Karnik by the wrist, and demanded, "Give my Rupee." Although Karnik was initially amazed, he gave the Rupee with great joy because it felt as if Sai Baba himself was accepting the offering. The scripture clarifies this was not a gentle acceptance but a forceful taking, emphasizing the powerful way spiritual intentions are fulfilled and teaching that one's initial good inclinations should be maintained and acted upon.