What was Sai Baba's teaching regarding debt, and how did Laxmichand's situation relate to it?

Sai Baba's teaching on indebtedness is explicitly mentioned in Chapter 28. The text states, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." Laxmichand's journey to Shirdi was made despite a shortage of money, implying he may have taken a loan to make the arrangements. While his actions went against this particular teaching, the story highlights Baba's immense grace and compassion, as he still lovingly fulfilled Laxmichand's unspoken desires and strengthened his faith, rather than chastising him for his financial choices.