What was Sai Baba's view on going on a pilgrimage by taking on debt?

According to the narrative in Chapter 28, Sai Baba did not approve of incurring debt, even for a sacred act like a pilgrimage. The story of Laxmichand begins with the acknowledgement that he and others had to take a loan to make the arrangements for their trip to Shirdi. However, the author inserts a direct moral lesson into the account, stating, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This highlights a core principle that financial responsibility was important to Baba, regardless of the pious nature of the expense.