According to the Satcharitra, what is the relationship between one's past karma and the opportunity to meet a saint like Sai Baba?

Chapter 28 of the Shri Sai Satcharitra explains a deep connection between karma and spiritual progress. It posits that "When the accumulated karma of many births rises up, then the company of saints is attained." This meeting with a saint like Sai Baba then helps to destroy the "darkness born of delusion." The text further elaborates that this experience ignites the fire of discrimination, detaches one from worldly enjoyments, and ultimately destroys accumulated karma, leading to a successful life. The story of Laxmichand being drawn to Baba is presented as an example of this spiritual principle in action.