Can you elaborate on the personal story the narrator shares in Chapter 21 to illustrate the difficulty of encountering saints without good fortune?

In Chapter 21, the narrator recounts his own experience to prove that good fortune is necessary to meet saints. While serving as the Magistrate in Bandra, a well-known Siddha named Pir Maulana resided there. The Siddha's servant, Inus, persistently urged the narrator to come for his vision. However, consumed by thoughts of his own prestige, the narrator refused, questioning why he should be pressured into going where thousands of others went. As described in Chapter 21, he reflects that 'one fears one's own shadow when ill-luck stands in the way,' and he never made the visit. He was later transferred, only to form an unbreakable bond with Shirdi much later, illustrating that the right time for such encounters is determined by grace.