In Chapter 21, the author talks about a time he missed meeting a saint. Can you tell me more about that story and why he thinks it happened?

Yes, in Chapter 21, the author, Hemadpant, recounts his personal experience while serving as a Magistrate in Bandra. A famous Siddha named Pir Maulana resided there, and despite being constantly urged by the Siddha's servant to visit, Hemadpant refused. He reflects that his pride and ego—questioning why he should be pressured by others—prevented him from going. He later realized this was a case of "ill-luck" standing in his way. The chapter explains that one does not encounter Saints unless good fortune dawns, and his failure to see Pir Maulana, who was so close, was proof of this principle. He attributes this missed opportunity to a lack of divine grace at that point in his life.