Why did Appasaheb feel indebted, and how did Sai Baba test his resolve?

Chapter 33 explains that Appasaheb felt his family's offering of a single Rupee to the Fakir was insufficient and had mentally resolved to give ten Rupees himself. However, he had not yet fulfilled this promise, leaving him in a state of debt to his own word. To test his resolve and provide an opportunity for fulfillment, Sai Baba appeared in the form of a different, unknown Fakir. Even though Appasaheb had six Rupees on hand at that moment, he became suspicious of the stranger and hesitated to give the money, demonstrating the human tendency to waver despite good intentions.