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

Sai Baba strongly discouraged his devotees from incurring debt, especially for activities like pilgrimages. As Chapter 28 recounts, Laxmichand had taken a loan to make his pilgrimage to Shirdi. The text explicitly states, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." Although Baba still showered his grace upon Laxmichand by fulfilling his desire for khaja, this underlying principle serves as a key lesson from the narrative. This account from Chapter 28 highlights Baba's practical guidance on financial responsibility.