What does the Shri Sai Satcharitra say about Sai Baba's views on taking on debt for religious purposes, as mentioned in the story of Laxmichand?

Chapter 28 of the Shri Sai Satcharitra provides a clear teaching from Sai Baba regarding financial matters and religious duties. In the context of devotees going on a pilgrimage, the text 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 shows that Baba emphasized the importance of financial responsibility and discouraged his followers from accumulating debt, even for a sacred act like a pilgrimage. He valued living within one's means over making grand gestures that lead to financial strain.