Based on the narrative of Laxmichand in Chapter 28, what is the relationship between one's past karma and the opportunity to meet a saint?

Chapter 28 uses the story of the clerk Laxmichand to illustrate a profound spiritual principle regarding karma. The text explains that the company of saints is only attained "when the accumulated karma of many births rises up." This suggests that meeting a Sadguru is not a random event but a destined outcome of past actions ripening. According to this chapter, this sacred association ignites the fire of discrimination, causes detachment from worldly enjoyments, destroys accumulated karma, and ultimately makes one's life successful by dispelling the darkness born of delusion.