I don’t know anything about Nirmal Baba and why he charges money to join his samagam. I don’t want to criticize anyone.
Instead of talking about Nirmal Baba I just want to ask you few simple questions.
Just use your commonsense and you will get the answer.
Do you really need a guru to find the truth?
Do you need money to find god, love or truth?
If you are really kind and compassionate and if you find the god or truth then what exactly will you do?
Just forget about Nirmal Baba and tell me about you. Will you charge people to guide them?
Did Buddha, Mahavira, Krishna, Jesus, Mohammad, Meera, Nanak, Dadu, Tukaram ever ask money to guide people?
Who can understand your personal problems better than you?

In my view, God is as much available to you as he is available to any human being on the earth.
Just be silent and know.
You can get answers to any problem just by being silent. You know all the answers and solutions. You are the creator of the problem and you can also solve them. Your mind can work miracles. Finally it’s your own mind which works miracles. Human mind has invented nuclear weapons, airplanes and computers so it can also solve personal problems.

As long as you have a human body you are going to be diseased and you are going to die. Even if you get miraculously healed, you are going to be diseased again and finally you will die.

You can get a job, you can become a millionaire, you can win election, you can get healed, you can get marry, you can have a baby. These things are already happening in the world since the beginning of humanity without help of any guru. Just look around. If you really believe in yourself then you can solve any problem absolutely free of cost. There are thousands of problems in life. How many times you will ask a person to guide you? And how much it will cost you?

And finally you will remain dependent!

Remember freedom is responsibility. In my view freedom is the highest value and the cost of freedom is responsibility. Take life in your hand. Your life is nothing but a series of problems. These problems are not to block your progress but they are stepping stones to your growth. Facing your problems you become strong.

The whole life is kung fu. There are no short cuts. You have to learn the art of kung fu. One should learn to stand on his two solid feet to find the truth, god or freedom.

God’s kripa is already upon you, he has given you the brain, he has given you intelligence so that you can find the solutions to your problems. As per as my knowledge is concern, god has not appointed anyone as a middleman. We are all messengers of god. Every new born baby is bringing his message. Every flower that blooms brings only his message. You are god’s wonderful creation. Save money, use your brain.