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

Within the narrative concerning the devotees' visit in Chapter 28, a significant teaching from Sai Baba about financial responsibility is highlighted. 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 shows that Baba did not approve of his followers going into debt, even for a pious purpose like a pilgrimage to Shirdi. The underlying principle is that devotion should be practiced with prudence and should not lead to financial distress or irresponsibility, which is a practical lesson for all devotees.