What was Baba's teaching on taking on debt, as mentioned in the story of Laxmichand's pilgrimage?

Within the story of Laxmichand's pilgrimage to Shirdi, Chapter 28 conveys a very specific teaching from Sai Baba regarding finances. The text explicitly states that taking on debt, even for a noble purpose such as a pilgrimage, is something Baba disapproves of. The verse says, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This highlights a practical principle that Baba advocated for, emphasizing self-sufficiency and the avoidance of financial burdens, which he considered an important aspect of a devotee's life.