What was Sai Baba's philosophical explanation for why he accepted money from one person but refused it from another?

According to Chapter 36, when questioned about his apparent partiality with the two gentlemen from Goa, Sai Baba provided a profound explanation. He stated, "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 clarified that he personally has no need for wealth, asking rhetorically what family life or house he possesses. He explained that his actions are related to settling karmic accounts from past lives, noting that debt, enmity, and murder are things that a person cannot escape even after eons. Therefore, the acceptance of Dakshina was not a personal transaction but a spiritual mechanism for resolving a pre-existing debt.