According to Chapter 10, what is the significance of having faith in a Sadguru like Sai Baba, and how does it affect a devotee's life and karma?

Chapter 10 explains that the Sadguru is the one eternal God and that placing faith in His feet can literally change one's fate, as He "strikes a nail over the lines of destiny." Pure service to the Sadguru is said to completely destroy the worldly existence (Samsara). The text further elaborates that by the Sadguru's sight, a devotee's attachments to sense objects vanish, and both accumulated (Sanchit) and current (Kriyaman) karmas are destroyed. He acts as a boatman, guiding devoted bhaktas across the three types of miseries and the entire ocean of existence.