Based on Chapter 20, what is the significance of a Guru in understanding complex scriptures like the Upanishads?

Chapter 20 presents a profound teaching on the role of the Guru in spiritual learning. It states that the Upanishads, which hold the essence of the Vedas, are incredibly difficult to grasp without the grace of Hari (God) and the Guru. The text warns that even a great scholar who attempts to comprehend these scriptures through their own intellect will fail, as the hidden truth is difficult to find without guidance. Conversely, as Chapter 20 highlights, for a person who is humble and devoted to the Guru's feet, the hidden meanings open up automatically. This emphasizes that true Self-knowledge is a gift of grace, not merely an intellectual achievement.