What was Sai Baba's specific teaching regarding taking on debt for a pilgrimage?

The narrative in Chapter 28 contains a very clear and practical teaching from Sai Baba concerning financial matters and religious observance. Before detailing the story of Laxmichand, the text explicitly states Baba's view on debt. The verse clearly articulates, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This shows that Sai Baba prioritized financial prudence and discouraged his devotees from incurring debt, even for a sacred purpose like a pilgrimage, emphasizing a grounded and responsible approach to life.