What was Sai Baba's specific teaching regarding taking on debt for a pilgrimage, as illustrated in Laxmichand's story?

The story of Laxmichand in Chapter 28 provides a very clear teaching from Sai Baba regarding finances and spiritual journeys. When Baba revealed his knowledge of Laxmichand borrowing money from a Marwadi moneylender for the trip, it highlighted a key principle. The text explicitly states that "Baba does not like indebtedness," especially for the purpose of a pilgrimage. This incident serves as the "main teaching" of that part of the narrative. While Baba still graced Laxmichand with his darshan, the underlying lesson was that one should not go into debt, even for a sacred purpose, showing Baba's practical wisdom.