Who is shown as an example for Baba's teaching against going on pilgrimage while in debt?

The devotee presented in this context is Laxmichand. Chapter 28 mentions that Laxmichand had made arrangements for his pilgrimage by taking a loan. 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." Although Baba fulfilled Laxmichand's desires and showered him with grace during his visit, the narrator uses Laxmichand's situation to highlight this important principle taught by Sai Baba, emphasizing the importance of not being in debt, especially for religious journeys.