What is the main teaching regarding debt mentioned in the story of Laxmichand's pilgrimage?

The story of Laxmichand in Chapter 28 explicitly highlights Sai Baba's views on financial matters, particularly debt. Although Laxmichand made arrangements to go on the pilgrimage by taking a loan, the text clearly states that this is not a practice Baba approved of. The Satcharitra notes, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This emphasizes the principle of avoiding debt, even for supposedly pious reasons, as a core part of Baba's teachings.