What was Sai Baba's view on taking on debt, especially for something like a pilgrimage?

The source material from Chapter 28 provides a very clear teaching from Sai Baba regarding debt. In the context of devotees who had taken a loan to arrange for their pilgrimage to Shirdi, the text explicitly states, "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 Sai Baba strongly discouraged being in debt, even for a purpose that might seem spiritually virtuous like visiting a holy place. His main teaching emphasized financial prudence and avoiding the burden of indebtedness, suggesting that one should live within their means and not incur loans for such activities.