What was Sai Baba's stated perspective on taking on debt, especially for a pilgrimage, as illustrated in the story of Laxmichand?

The provided text from Chapter 28 makes Sai Baba's view on debt very clear. Although the devotee Laxmichand had taken a loan to make arrangements for his pilgrimage to Shirdi, this was not a practice Baba encouraged. The scripture explicitly states, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This highlights a core principle of Baba's teachings, emphasizing financial prudence and the avoidance of being in debt, even for spiritual pursuits.