Chapter 21 mentions a personal story from the author. What was his experience with the Siddha in Bandra, and what lesson did it convey?

In Chapter 21, the author recounts his time as a Magistrate in Bandra. A famous Siddha named Pir Maulana resided there, and his servant, Inus, repeatedly urged the author to come for his vision. However, the author resisted due to pride, wondering why he should be pressured by others. He later realized this reluctance was a sign of his own misfortune. As stated in Chapter 21, "One fears one's own shadow when ill-luck stands in the way." This experience serves as a powerful lesson that encountering a Saint is not easily achieved and is only possible when good fortune dawns and God's grace is present, a truth he only understood after being transferred and later forming a bond with Shirdi.