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

When questioned by Shama about his selective acceptance of offerings, Sai Baba provided a profound explanation in Chapter 36. He clarified, "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." This response reframes Dakshina not as a personal gain for Baba, but as a mechanism for settling past karmic debts. He further emphasized his complete detachment from material wealth by stating he has no house or family life. Baba's explanation culminates in the powerful statement that debt, enmity, and murder are inescapable, even across eons, hinting at the deep karmic reasons behind the transaction.