What was Sai Baba's deeper explanation for why he accepts or rejects Dakshina?

When questioned by Shama in Chapter 36, Sai Baba gave a profound reason for his actions concerning Dakshina. He explained, "Shama, you don't know; I don't take anything from anyone. Mother Masjid demands what is owed, and the giver becomes free from debt." Baba emphasized his own detachment, stating he has no house, family, or need for wealth. His explanation suggests the act is not about collecting money but is tied to resolving past karmic debts. He concluded with the powerful statement that "debt, enmity, and murder—these are not escaped by the doer even at the end of an eon," linking the offering to an unchangeable cosmic law.