Can you describe the personal story the narrator shares in Chapter 21 to illustrate the difficulty of encountering a Saint without good fortune?

The narrator shares a personal experience from when he was a Magistrate in Bandra. In that city lived a famous Siddha named Pir Maulana, whom many people of various faiths visited. As told in Chapter 21, the Siddha's servant, Inus, persistently urged the narrator to come for his vision. However, due to his own pride and what he describes as ill-luck, the narrator refused, questioning why he should be pressured and risk his prestige. He reflects that one cannot see a Saint even when they are near if good fortune has not dawned. He was eventually transferred from there, only later forming a bond with Shirdi, reinforcing the chapter's point that meeting a Saint requires God's grace.