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

Within the narrative about Laxmichand, a very clear and practical teaching from Sai Baba is highlighted. Chapter 28 explicitly states that Baba did not approve of people incurring debt for the sake of making a pilgrimage. The text clearly articulates this principle: "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This shows that Baba prioritized a life of financial responsibility and freedom from the burden of debt, even when the intention was a pious one like visiting a holy place. It's a practical lesson embedded within a story of divine grace.