How does Chapter 35 describe the mindset of skeptics who questioned Sai Baba's sainthood, particularly regarding Dakshina?

According to Chapter 35, certain individuals approached Shirdi with significant skepticism, rooted in their belief that worshipping a saint with a physical form was inferior to their own path of worshipping the formless. They questioned why they should bow to a mere human and specifically objected to the practice of giving Dakshina, or monetary offerings. The text notes their thought process: "When saints begin to accumulate wealth, their saintliness is diminished." They firmly resolved to meet Sai Baba but refused to bow or give money. Chapter 35 explains that this intellectual pride and firm resolve were ultimately powerless against the direct, transformative experience of Sai's Darshan, which caused them to surrender completely.