How does Chapter 21 use the author's own experience to illustrate the idea that the 'company of Saints is not accessible to the unfortunate'?

Chapter 21 powerfully illustrates this principle by having the author narrate his own failure to meet a Saint. When he was the Magistrate in Bandra, he had easy access to a revered Siddha, Pir Maulana. However, as the chapter details, his own ego and resistance to being pressured by others led him to continually refuse the opportunity. He explicitly states, "One fears one's own shadow when ill-luck stands in the way." By presenting his own story as a prime example, the author demonstrates that physical proximity to a Saint is insufficient; one also needs the good fortune and grace to overcome internal obstacles like pride. Thus, his experience becomes the central proof for the chapter's teaching that this sacred company is not easily attained by the unfortunate.