The Satcharitra mentions that Sai Baba dislikes indebtedness. How is this teaching presented in relation to the devotees' pilgrimage?

In Chapter 28, before detailing the story of Laxmichand, the text highlights a core teaching from Sai Baba regarding finances and spiritual journeys. The scripture explicitly states, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This principle is mentioned as the author notes that some devotees had to take loans to make arrangements for their trip to Shirdi due to a shortage of money. This serves as a clear and important instruction from Baba, emphasizing the value of financial prudence and discouraging devotees from incurring debt, even for a sacred purpose like a pilgrimage.