What was Sai Baba's teaching regarding debt, particularly for religious activities?

The source material from Chapter 28 makes a very clear point about Sai Baba's views on debt. In the context of Laxmichand undertaking a pilgrimage, the text explicitly states a core teaching: "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This shows that Baba advised against being in debt, even for something as seemingly virtuous as a pilgrimage. He valued financial prudence and did not want his devotees to be burdened by loans, highlighting a practical aspect of his spiritual guidance.