How does Chapter 21 explain the connection between God's grace, good fortune, and meeting a Saint?

Chapter 21 of the Sai Satcharitra elaborates on the profound connection between divine grace and the ability to encounter Saints. The text states that unless good fortune dawns, one does not get to meet Saints and Sages. Using his own experience of not visiting Pir Maulana in Bandra despite being urged, the author illustrates that even if a great soul is nearby, a "sinful person cannot see Him." The chapter concludes that the company of Saints is not accessible to the unfortunate and is only made easy when God’s grace is present. This union, as explained in Chapter 21, is otherwise difficult to attain, emphasizing that such encounters are not a matter of chance but of divine will and one's own destiny.