How does Chapter 21 explain the role of luck and divine grace in meeting a Saint?

Chapter 21 strongly emphasizes that encountering Saints and Sages is not a matter of simple proximity or effort but is dependent on good fortune and God's grace. The text states that 'this company of Saints is not accessible to the unfortunate' and that 'It is easy only when God’s grace is present.' The author uses his own past failure to visit the Siddha Pir Maulana as a prime example, noting from this experience that one 'fears one's own shadow when ill-luck stands in the way.' This illustrates the core teaching from this chapter that a sinful or unfortunate person cannot see a Saint, even if the Saint is right beside them.