What is Sai Baba's teaching on debt, as illustrated in the account of Laxmichand's pilgrimage?

In the context of the pilgrimage that included the devotee Laxmichand, Chapter 28 of the Shri Sai Satcharitra provides a clear teaching from Sai Baba regarding finances. 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." Although the group of devotees, including Laxmichand, had to take a loan to make arrangements for their trip, the author makes a point to highlight that this practice was something Baba generally disapproved of, emphasizing financial prudence as a key principle.