According to Chapter 12, what is the role of faith versus 'dry knowledge,' especially concerning those who are ignorant and attached to worldly desires?

Chapter 12 of the Sai Satcharitra presents a powerful argument for the supremacy of faith over sterile intellectualism, particularly for those entangled in worldly life. The text acknowledges that some people are ignorant, not knowing the 'spiritual supreme goal (Paramartha),' and are instead lost in the desire for 'wife, son, and wealth.' However, rather than condemning them, it states that saints and God feel pity and affection for such individuals. The chapter critically notes that the 'stiffness of dry knowledge is fruitless.' The key to spiritual progress, especially for the ignorant, is not intellectual understanding but the development of 'firm faith.' As Chapter 12 implies, it is this unwavering faith that allows a saint to bring about true transformation.