Based on Chapter 21, why might a person fail to recognize or meet a Saint even when they are physically close?

According to the teachings in Chapter 21, a person might fail to meet a Saint, even one who is 'near one's pillow,' because of their own 'ill-luck' or lack of divine grace. The chapter posits that encountering Saints is not a casual event but one that requires the dawning of good fortune. The author uses his personal story of not visiting Pir Maulana in Bandra to show how one's own pride and negative disposition can act as a veil. As he puts it, 'One fears one's own shadow when ill-luck stands in the way.' Therefore, Chapter 21 explains that this failure is a spiritual condition, where the individual is not yet ready or fortunate enough to receive the Saint's vision.