What was Sai Baba's initial explanation for why he accepts Dakshina from some people but not others?

When confronted by Shama in Chapter 36, Sai Baba began his explanation by stating his own detachment from worldly possessions. He said, "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." He emphasized that he has no house or family life and therefore no need for wealth. Baba's profound response suggests that the act of giving and receiving Dakshina was not about the money itself, but was connected to clearing karmic debts, as he ominously added that debt, enmity, and murder are inescapable.