What is the primary teaching about debt that is mentioned in the context of the pilgrimage story?

Within the narrative about the devotees' trip to Shirdi, a specific moral teaching is highlighted. Chapter 28 explicitly states that Sai Baba does not approve of indebtedness, particularly in the context of spiritual pursuits. The text notes, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This principle underscores a practical aspect of Baba's philosophy: that one should manage their worldly affairs responsibly and not incur debt, even for a seemingly pious reason like a pilgrimage, as financial soundness is a precursor to spiritual peace.