What is Sai Baba's specific teaching regarding debt, as illustrated in Laxmichand's story?

In the story of Laxmichand found in Chapter 28, Sai Baba provides a very clear teaching about financial responsibility. The text explicitly states, 'Baba does not like indebtedness; this is the main teaching here.' This lesson arose because Laxmichand had taken a loan to finance his pilgrimage to Shirdi. Although Baba was aware of his devotee's eagerness for darshan, He used the opportunity to convey his disapproval of going into debt, even for a sacred purpose. Baba’s knowledge of the loan, which he revealed by asking why Laxmichand borrowed from a Marwadi, served to emphasize this important principle for all devotees.