Despite Laxmichand taking a loan for his pilgrimage, what is Sai Baba's stated teaching on the subject of debt?

The Shri Sai Satcharitra uses Laxmichand's situation to impart a specific teaching from Sai Baba. Although Laxmichand had taken a loan to arrange for his trip, Chapter 28 explicitly clarifies Baba's viewpoint on such matters. The text states, 'Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here.' This demonstrates that Sai Baba discouraged His devotees from falling into debt, even for reasons that might seem pious, emphasizing financial prudence and living without the burden of indebtedness.