The author contrasts his experience in Bandra with his bond to Shirdi. What philosophical point is he trying to make about divine grace and meeting a Guru?

In Chapter 21, the author uses his personal history to illustrate a profound spiritual principle. By recounting how he, as a Magistrate in Bandra, consciously avoided meeting the revered Siddha Pir Maulana due to pride and what he calls "ill-luck," he sets up a powerful contrast with his later life. He mentions that many years passed, and then "Shirdi became an unbreakable bond." The philosophical point being made is that meeting a true Guru or Saint is not a result of human effort, intellect, or physical proximity alone. It is an event orchestrated entirely by divine grace. The author concludes that the "company of Saints is not accessible to the unfortunate; It is easy only when God’s grace is present," making this a central teaching in Chapter 21.