What was Sai Baba's teaching regarding Laxmichand taking a loan for his pilgrimage?

When Laxmichand arrived in Shirdi, Sai Baba revealed his knowledge of the devotee's private affairs by asking, "Borrowing from Marwadi (moneylender), what was the need for darshan?" This question highlighted Baba's awareness that Laxmichand had gone into debt to finance his trip. The narrative in Chapter 28 explicitly states that Baba does not approve of his devotees incurring debt for the purpose of a pilgrimage. The text emphasizes this as a "main teaching," suggesting that one should not undertake such spiritual journeys by taking on financial burdens, a principle that left a deep impression on all the devotees present.