In the story involving Laxmichand, what was Sai Baba's specific teaching regarding taking on debt?

Within the narrative about the devotees' pilgrimage, Chapter 28 highlights a significant teaching from Sai Baba about financial responsibility. The text explicitly states that taking a loan to go on a pilgrimage, or being in debt for any reason, was something Baba did not like. This principle is emphasized as a "main teaching." It shows that Baba valued practical wisdom and discouraged his devotees from placing themselves in a state of indebtedness, even for seemingly pious reasons. This suggests that spiritual life should be balanced with sound, responsible living, free from the burden of debt.