What was Sai Baba's teaching about taking loans for a pilgrimage, based on Laxmichand's experience?

Sai Baba conveyed a very clear teaching about debt through his interaction with Laxmichand. Upon meeting the devotee, Baba immediately revealed His knowledge of Laxmichand's financial arrangements, asking, "Borrowing from Marwadi (moneylender), what was the need for darshan?" The sacred text, Shri Sai Satcharitra, explicitly interprets this interaction in Chapter 28, stating, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This shows Baba's practical guidance, emphasizing that one should not incur debt for spiritual activities.