What was Sai Baba's specific teaching about debt, as mentioned in the context of Laxmichand's pilgrimage?

The narrative about Laxmichand in Chapter 28 contains a very clear and practical teaching from Sai Baba regarding financial matters. The text explicitly states that Baba did not approve of his devotees incurring debt, even for something as spiritually significant as a pilgrimage. The verse quoted is, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This highlights Baba's belief in living within one's means and avoiding the burden of financial liabilities.