According to the provided text, what is the spiritual significance of meeting a saint, and how does it relate to one's past actions?

Chapter 28 offers a deep spiritual insight into the nature of encountering a holy person. It teaches that the opportunity to be in the company of saints is not a random occurrence but happens "when the accumulated karma of many births rises up." This signifies that such a meeting is a result of past merits coming to fruition. The effects of this encounter are transformative; it is said to destroy the "darkness born of delusion" and ignite the "fire of discrimination." This newfound wisdom leads to detachment from worldly enjoyments and the destruction of accumulated karma, ultimately making one's life successful. Laxmichand's journey to Baba is presented as an embodiment of this principle.