What was Sai Baba's teaching regarding debt, as illustrated by Laxmichand's pilgrimage?

The story of Laxmichand in Chapter 28 of the Shri Sai Satcharitra highlights a significant teaching from Sai Baba about financial responsibility. The text notes that Laxmichand had taken a loan to fund his pilgrimage to Shirdi. However, it immediately clarifies Baba's stance on this matter, stating, 'Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here.' This incident underscores a core principle that true devotion does not require one to go into debt. Baba emphasized living practically and avoiding financial burdens, even for acts that are considered pious.