What was Sai Baba's view on taking on debt for a pilgrimage, as illustrated in Laxmichand's story?

The Shri Sai Satcharitra, in Chapter 28, conveys Sai Baba's clear perspective on financial prudence through the narrative of Laxmichand. Although Laxmichand managed to go on his pilgrimage to Shirdi by taking a loan, the text explicitly highlights that this was not a practice Baba approved of. The sacred text states, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This demonstrates a core teaching that emphasizes practicality and discourages devotees from incurring debt, even for spiritual pursuits, underscoring the importance of living within one's means.