What was Sai Baba's teaching regarding debt and pilgrimage, as illustrated in the story of Laxmichand?

The story of Laxmichand in Chapter 28 provides a very clear teaching from Sai Baba about financial responsibility. When Laxmichand arrived in Shirdi, Baba revealed that he knew the devotee had taken a loan to fund his trip. The narrative explicitly states a key lesson from this interaction: 'Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here.' This demonstrates that while devotion is paramount, Baba did not approve of his followers putting themselves into financial hardship or debt, even for the sacred purpose of visiting him. The emphasis was on sincere devotion within one's means.