How does the text contrast Saints with ordinary people regarding karma, memory, and the cycle of rebirth?

Chapter 48 draws a sharp distinction between Saints and ordinary individuals. It explains that ordinary people are reborn to settle past debts and experience the fruits of their karma, and they have no memory of their past lives. In contrast, Saints are described as never forgetting their pasts. Most importantly, as detailed in Chapter 48, they are not subject to ordinary birth driven by karmic compulsion. Instead, their purpose is to "remove the calamities of their devotees." This illustrates that while normal beings are trapped in the cycle of karma, Saints exist outside of it to guide and liberate their followers.