What was Sai Baba's teaching about going into debt for a pilgrimage, and how did it relate to Laxmichand?

According to Chapter 28, Sai Baba had a very clear teaching regarding financial matters and devotion. The text 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 indicates a strong disapproval of accumulating debt for religious journeys. Laxmichand's situation is presented as an example of someone who acted against this principle. It is mentioned that he had made arrangements for his trip by "taking loan," yet he proceeded with the pilgrimage to Shirdi along with other devotees.