Based on Chapter 21, what role do divine grace and fortune play in one's ability to get the company of Saints?

Chapter 21 strongly emphasizes that encountering Saints is not a matter of mere chance or personal effort, but a result of divine grace and good fortune. The author uses his own failure to visit the Siddha Pir Maulana in Bandra as a prime example, stating, "One fears one's own shadow when ill-luck stands in the way." The chapter explicitly teaches that the "company of Saints is not accessible to the unfortunate" and that this union becomes easy only when "God’s grace is present." Therefore, as explained throughout Chapter 21, the ability to see, recognize, and benefit from the presence of a Saint is a blessing bestowed upon an individual, without which one could be right next to a great soul and still be unable to perceive them.