How does the author's experience in Bandra, as described in Chapter 21, illustrate the principle of requiring 'good fortune' to meet a Saint?

In Chapter 21, the author uses his personal story as a direct illustration of a profound spiritual principle: one needs divine grace and good fortune to attain the company of Saints. He narrates how, as a Magistrate in Bandra, he was repeatedly invited to meet the revered Siddha Pir Maulana but consistently refused due to his own pride and what he later calls 'ill-luck.' The chapter states, 'One fears one's own shadow when ill-luck stands in the way.' The author connects this personal failure to the larger idea that 'this company of Saints is not accessible to the unfortunate; It is easy only when God’s grace is present.' By sharing his own inability to see a Saint who was physically close, he powerfully demonstrates the teaching from Chapter 21 that without this grace, even a nearby opportunity for spiritual progress will be missed.