According to Chapter 21 of the Sai Satcharitra, what is required to encounter a Saint, and what story is used to illustrate this principle?

Chapter 21 teaches that encountering Saints and Sages is not a casual occurrence but requires the dawn of good fortune and God's grace. It states that the company of Saints is inaccessible to the unfortunate. To illustrate this, the author shares a personal experience from his time as a Magistrate in Bandra. As narrated in Chapter 21, he was repeatedly urged to visit a famous Siddha named Pir Maulana but refused due to his own ego and pride, which he later recognized as a period of ill-luck. He uses this story to prove that one cannot see a Saint, even if they are nearby, unless destiny and grace allow it.