What is Sai Baba's philosophy on debt and karma as explained in his interaction with Shama?

In Chapter 36, when confronted by Shama about his financial dealings with the two men from Goa, Sai Baba reveals a deep philosophy on karma and debt. He explains that his actions are not about personal gain, as he is completely detached. Instead, he states, "Mother Masjid demands what is owed, and the giver becomes free from debt." He follows this by declaring that "debt, enmity, and murder—these are not escaped by the doer even at the end of an eon." This implies that the acceptance of Dakshina was a spiritual mechanism to settle a pre-existing, inescapable karmic debt from a past life, rather than a simple monetary transaction.