According to Chapter 21, what is the connection between one's fortune and the ability to get the company of Saints? How does the author's own experience support this idea?

Chapter 21 teaches that the company of Saints is not easily accessible and requires the dawning of good fortune and God's grace. The author uses his own life as an example, as narrated in this chapter. When he was a Magistrate in Bandra, he had the opportunity to meet the revered Siddha, Pir Maulana. However, he describes this period as a time when "ill-luck stands in the way," causing him to be fearful and full of pride, thus preventing the meeting. He reflects in Chapter 21 that it was only when the right time came later that he formed an "unbreakable bond" with Shirdi, demonstrating that such sacred unions are difficult to attain without divine will.