Could you explain the connection between attaining the company of saints and past karma as described in the story of Laxmichand in Chapter 28?

Chapter 28 introduces the story of Laxmichand, a clerk who worked for Ralli Brothers in Mumbai, to illustrate how devotees are drawn to Sai Baba. The chapter explicitly connects this divine pull to the concept of karma. It explains that "When the accumulated karma of many births rises up, then the company of saints is attained." This sacred meeting is described as a transformative event that destroys the "darkness born of delusion." As Chapter 28 elaborates, this encounter with a saint ignites the fire of discrimination, detaches one from worldly enjoyments, destroys accumulated karma, and ultimately makes one's life successful.