According to the teachings in Chapter 10, what is the transformative power of a Sadguru on a devotee's fate and karma?

According to Chapter 10, the power of a Sadguru is absolute and transformative, capable of altering a devotee's very destiny. The text states that by placing faith in the Guru's feet, He "strikes a nail over the lines of destiny," which means he can change one's fate. Furthermore, the chapter explains that for devoted bhaktas, the Sadguru acts as a boatman, helping them cross the three types of miseries. Through the Guru's grace, even accumulated (Sanchit) and current (Kriyaman) karmas are destroyed, and all attachments to sense objects vanish, leading the devotee toward liberation.