What was Sai Baba's teaching regarding debt, and how does it relate to the story of Laxmichand?

The narrative in Chapter 28 clearly states Sai Baba's disapproval of taking on debt for any reason, including for a pilgrimage. The text emphasizes this as a key teaching: "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." Although Laxmichand had made his arrangements for the trip by taking a loan, which was contrary to Baba's principles, Baba still showered him with grace. He knew Laxmichand's innermost thoughts and fulfilled his desire for khaja, an act which solidified Laxmichand's devotion and demonstrated Baba's unconditional love.