How do the stories of Karnik and Appasaheb illustrate different ways Sai Baba collected Dakshina?

The accounts in Chapter 33 showcase contrasting methods Sai Baba employed for Dakshina. With Karnik, the interaction was direct and forceful; Baba acted through the saint Narsing Maharaj, who physically grabbed Karnik's wrist and demanded a rupee, which was then given with a sense of divine encounter. In Appasaheb's case, the approach was a test of faith and memory. Baba appeared in the guise of an unknown fakir, seemingly to collect on Appa's unspoken promise to give ten rupees. However, Appa's suspicion led him to hesitate. These two stories demonstrate that Baba could either take his due directly or create circumstances to test a devotee's resolve to give.