What is Baba's stance on debt as mentioned in the story of Laxmichand?

The narrative about Laxmichand in chapter 28 explicitly states Sai Baba's disapproval of indebtedness, especially in the context of spiritual pursuits. The text mentions that some people were aware that Laxmichand had made his arrangements for the pilgrimage by taking a loan. The author then emphasizes a key teaching, stating, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This highlights Baba's practical wisdom, discouraging devotees from undertaking spiritual activities if it meant putting themselves into financial hardship or debt.