What was Sai Baba's teaching regarding taking on debt for religious purposes like a pilgrimage?

According to the account in Chapter 28 of the Shri Sai Satcharitra, Sai Baba did not approve of getting into debt, even for a sacred act like a pilgrimage. The text explicitly states, 'Baba does not like indebtedness; this is the main teaching here.' This principle is highlighted in the story of Laxmichand, who had taken a loan to arrange for his trip to Shirdi. The narrative makes it clear that undertaking a pilgrimage while in debt was contrary to Baba's core teachings, emphasizing financial prudence and freedom from debt as important for a devotee.