Can you explain the story of Appasaheb Kulkarni's unfulfilled promise and the lesson it teaches?

The story of Appasaheb Kulkarni revolves around a promise he made but hesitated to fulfill. As detailed in Chapter 33, Appasaheb felt that the single Rupee his family gave was insufficient, and he mentally resolved to give ten Rupees, stating, "Had I been there, I would have given ten times more." He believed he could not be "debt-free" until this word was fulfilled. However, when a fakir, believed to be Sai Baba in disguise, later came to him, Appasaheb became suspicious because the man was a stranger. Despite having six Rupees nearby, he hesitated and did not make the offering. This story serves as a lesson on the common human tendency to make grand verbal promises but falter with hesitation when the time for action arrives.