Can you describe the author's personal story in Chapter 21 about his reluctance to visit a Saint and what he learned from it?

In Chapter 21, the author, Hemadpant, shares a personal story from his time as a Magistrate in Bandra. He recounts how he was repeatedly urged by a servant named Inus to visit a famous Siddha, Pir Maulana. However, due to his own pride and what he terms "ill-luck," he refused to go, questioning why he should be pressured by others and risk his prestige. He later realized this was a significant missed opportunity. This experience serves as a powerful illustration of the chapter's main teaching: that one needs good fortune and God's grace to get the company of Saints. As Chapter 21 explains, without this grace, even if a Saint is nearby, a person cannot see them, proving that one's own ego can be a major obstacle to spiritual progress.