What is Sai Baba's teaching on taking loans for pilgrimages, as mentioned in the story of Laxmichand?

According to Chapter 28 of the Sai Satcharitra, Sai Baba did not approve of incurring debt, even for a sacred purpose like a pilgrimage. The text explicitly addresses this when discussing Laxmichand and his companions' journey to Shirdi. It is noted that they possibly took a loan to finance their trip. The author includes a verse that clarifies Baba's stance on the matter: "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This demonstrates Baba's practical wisdom, emphasizing financial responsibility and living without the burden of debt.