What was Sai Baba's teaching about taking on debt for a pilgrimage, as mentioned in the chapter about Laxmichand?

In Chapter 28, amidst the narrative of Laxmichand's experiences, a specific teaching from Sai Baba is highlighted. While the devotees were making arrangements for their trip to Shirdi, the author notes that there was a shortage of money and loans were taken. The text then explicitly states Baba's view on this matter. It says, '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 while Baba encouraged faith and devotion, he also promoted practical wisdom and financial prudence, advising against incurring debt even for a righteous act like a pilgrimage.