How does Chapter 20 explain the concept of Sai Baba's form and the nature of attaining spiritual knowledge?

Chapter 20 presents a profound philosophical perspective, stating that Sai is 'originally formless, but took form for the sake of his devotees.' It likens his physical manifestation to an actor skillfully playing the role of 'Maya.' In relation to spiritual knowledge, this chapter teaches that true understanding, especially of the 'science of Self-knowledge' which cuts through the cycle of rebirth, is not achieved through scholarly intellect alone. It asserts that this wisdom is reserved for those who are 'humble and detached.' For a person truly attached to the Guru's feet, the text promises that the hidden meaning of scriptures opens up automatically, highlighting grace over personal effort.