Why was Appasaheb suspicious of the Fakir who came to him, and what does this story teach about promises?

As recounted in Chapter 33, Appasaheb had made a verbal promise to give ten Rupees but had not yet fulfilled it. Not long after, a Fakir came to him. However, Appasaheb became suspicious because this Fakir was a stranger. The story implies this Fakir was Sai Baba in disguise, who came as a 'pretext for Dakshina' to test Appasaheb's resolve. Despite having six Rupees nearby, Appasaheb hesitated and did not offer the money. This incident serves as a lesson, showing that while we may be quick with 'verbal promises,' we often show 'much hesitation' at the time of giving, and our spirit becomes downcast.