Can you summarize the main themes and stories presented in Chapter 21 of the Sai Satcharitra?

Chapter 21 discusses the profound nature of encountering Saints and Sages, emphasizing that such meetings are only possible when good fortune dawns and God's grace is present. It explains that the unfortunate cannot access this company. The chapter introduces a personal story from the author, who, as a Magistrate in Bandra, resisted visiting a famous Siddha named Pir Maulana despite being urged to do so. This story illustrates the principle that ill-luck can prevent one from seeing a Saint even when they are nearby. The text further elaborates that Saints, though appearing in different times and places, are essentially one and inseparable.