Chapter 32 seems to stress the importance of a Guru. What does it say about why a Guru is necessary, even for learned people?

Chapter 32 strongly emphasizes the indispensable role of a Guru for gaining true knowledge. The text makes a powerful claim that even if one has studied the Vedas and Vedangas or recited the Shrutis and Shastras, all that learning is considered "mere chaff" without the Guru's grace. It posits that there is no real knowledge without this grace. Furthermore, the chapter states that the words from Maharaj Sai's mouth have the power to destroy sins and afflictions and, most importantly, cause one to see one's own Guru. This highlights the idea presented in Chapter 32 that the Guru is the ultimate conduit to spiritual realization, regardless of one's scholarly achievements.