What is Sai Baba's teaching regarding taking on debt for a pilgrimage?

According to the narrative in Chapter 28, Sai Baba strongly disapproves of devotees incurring debt, particularly for the purpose of going on a pilgrimage. 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." This guidance emphasizes the importance of financial responsibility and living within one's means, suggesting that spiritual pursuits should not lead to worldly burdens like debt. Baba's teaching prioritizes a practical and unburdened approach to devotion over grand gestures made with borrowed money.