How does Chapter 10 explain the Sadguru's role in helping devotees overcome worldly existence and their karma?

Chapter 10 powerfully illustrates the Sadguru's role as a guide and savior. It compares the Guru to a boatman who safely ferries his devoted bhaktas across the turbulent ocean of worldly existence (Bhavasagar), helping them transcend the three types of miseries. Furthermore, the chapter explains that the Sadguru's grace has a direct impact on a devotee's destiny and karma. By placing faith in His feet, He can "strike a nail over the lines of destiny," effectively changing one's fate. His mere sight is said to destroy accumulated (Sanchit) and current (Kriyaman) karmas, break the knots of the heart, and dissolve attachments to sense objects.