How did Sai Baba's practice of taking Dakshina evolve over time, and what was his philosophy on wealth?

According to Chapter 14, Sai Baba's approach to Dakshina changed significantly over time. In the beginning, He took nothing from anyone. Later, as devotees began offering money, He would accept small coins for tobacco or oil but return large copper coins. As His greatness increased and crowds gathered, the offering of Dakshina became a more formal part of ritualistic worship. The underlying philosophy was that wealth should be used to generate religious merit. This merit, in turn, leads to knowledge, which helps transform self-interest into the highest spiritual goal and brings satisfaction to the mind, rather than being spent on trivial desires.