How did the narrative involving Laxmichand's pilgrimage highlight Sai Baba's core teaching about financial debt?

The story of Laxmichand in Chapter 28 serves as a vehicle for a key spiritual lesson from Sai Baba regarding finances. The text explicitly notes that the devotees, in their eagerness for the pilgrimage, had to take out a loan to make the arrangements. Immediately following this detail, verse 70 of Chapter 28 states, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." Although the devotees were not directly admonished, the inclusion of this teaching underscores Baba's principle that one should avoid indebtedness, even when the purpose is a sacred one like a pilgrimage.