Why did Appasaheb feel he was in debt, and what was the story behind his promise to give ten rupees?

The narrative in Chapter 33 explains that Appasaheb's family had given a single Rupee, which was accepted. However, Appasaheb felt this was an insufficient amount and proclaimed, "Had I been there, I would have given ten times more for the Fakir at that time." By making this verbal promise to give ten Rupees, he created a personal spiritual debt. The text emphasizes this point by asking how he could become "debt-free" without fulfilling his word. This sets the stage for a later event where a Fakir appears, testing Appa's resolve, as he was suspicious of the stranger and did not immediately offer the money.