What was Sai Baba's teaching on debt in relation to pilgrimages, as mentioned in the story of Laxmichand?

Chapter 28 of the Shri Sai Satcharitra clearly states Baba's principle regarding finances and spiritual journeys. The text explicitly says, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." Even though Laxmichand's group had made arrangements by taking a loan, the narrative emphasizes that this practice was contrary to Baba's preferred way, highlighting his teaching against incurring debt for religious observances.