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

According to the narrative in Chapter 28, Sai Baba did not approve of devotees going into debt for the purpose of a pilgrimage. The text explicitly states this teaching in relation to Laxmichand's trip to Shirdi, for which he had taken a loan to make arrangements. The verse reads, "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 while the pilgrimage itself was valued, Baba emphasized the importance of financial prudence and not being in a state of indebtedness to perform religious duties.