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

Chapter 28 of the Shri Sai Satcharitra clearly outlines Sai Baba's teaching against indebtedness. The narrative introduces Laxmichand, who had taken a loan to fund his pilgrimage to Shirdi. The text explicitly states this as a teaching moment, saying, 'Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here.' This demonstrates Baba's practical wisdom, emphasizing that even pious acts should not be performed by putting oneself into financial bondage, highlighting a principle of responsible living.