The chapter claims that by listening to the Sai Satcharitra, all of one's desires will be fulfilled and sins destroyed. Isn't this an oversimplification of spiritual practice, which usually requires more than just listening?

While Chapter 48 does make these powerful claims, it also specifies the necessary conditions for this outcome. It is not a passive or casual act. The text clarifies that these benefits come to 'those who listen to this story with a pure heart and good faith' and 'with great meaning and respect.' Furthermore, it emphasizes that after listening, the devotee should engage in reflection (Manan). The process requires being 'alert in all states,' which is what breaks the bonds of Karma. Therefore, as detailed in Chapter 48, the promise of fulfilling desires and destroying sins is not for mere auditory reception, but for a deep, devotional engagement involving faith, purity of heart, respect, and active reflection.