What was Sai Baba's philosophy on wealth and accepting offerings, as explained in the context of the incident with the two gentlemen?

In Chapter 36, when questioned by Shama about his actions, Sai Baba revealed his philosophy on wealth. He explicitly stated, "I don't take anything from anyone," and questioned his own need for wealth, saying, "What house do I have, or what family life? Why would I need wealth? I am certainly detached in every way." His explanation implies that the acceptance of Dakshina was not for personal gain but a karmic transaction. He referred to it as "Mother Masjid demands what is owed," suggesting that the act of giving and receiving was a mechanism for the giver to become free from a pre-existing debt.