What was the promise Appasaheb made regarding a donation, and why did he feel he was in debt?

Chapter 33 explains that after a single Rupee was given by his family and accepted by the Fakir with great satisfaction, Appasaheb felt this gesture was insufficient. In his mind, he resolved that had he been present, he would have given ten times more. This created a mental promise to give ten Rupees. The narrative in chapter 33 poses a rhetorical question: without completely giving the ten Rupees he had promised in his mind, how could Appasaheb's word be fulfilled and how could he become free from this self-imposed debt? This highlights the spiritual weight of one's intentions and spoken or even unspoken words.