How did Sai Baba explain the persistence of karmic obligations like debt?

In his conversation with Shama as detailed in Chapter 36, Sai Baba provided a powerful explanation for his actions regarding Dakshina. He stated unequivocally, "But debt, enmity, and murder—these are not escaped by the doer even at the end of an eon." This statement underscores the immense weight and persistence of certain karmic ties. He further explained that he had to "work hard to redeem those who made vows to the Goddess to fulfill their needs." This reveals that his seemingly strange requests for money were actually compassionate acts designed to liberate his devotees from deep-rooted karmic obligations that they might not even be consciously aware of.