Based on Chapter 28, what is the relationship between one's past karma and the opportunity to attain the company of saints?

The text from Chapter 28 posits a deep connection between spiritual merit and meeting a saint. It states, "When the accumulated karma of many births rises up, then the company of saints is attained; the darkness born of delusion is destroyed." This suggests that meeting a perfected being like Sai Baba is not a random occurrence but the fruit of virtuous actions from many past lives. The narrative describes Laxmichand as one of Baba's "pious chicks," implying his journey was predestined by this ripening of good karma, which then sets in motion the process of igniting discrimination, destroying further karma, and making one's life successful.