What was Sai Baba's teaching on taking loans for a pilgrimage, and how does this relate to Laxmichand's story?

The Shri Sai Satcharitra makes a very clear point about indebtedness in Chapter 28, using Laxmichand's situation as a backdrop. Although Laxmichand had made arrangements for his pilgrimage by taking a loan, the text explicitly states the core teaching: 'Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here.' Even though Baba showed immense grace to Laxmichand by fulfilling his desires and strengthening his faith, this principle against incurring debt, even for spiritual pursuits, is highlighted as an important lesson for all devotees.