What are the key themes and stories discussed in Chapter 21 of the Sai Satcharitra?

Chapter 21 of the Sai Satcharitra explores several profound themes, primarily focusing on the necessity of good fortune and divine grace to meet a Saint. The author, Hemadpant, recounts his personal story of when he was a Magistrate in Bandra. Despite being urged to visit a renowned Siddha, Pir Maulana, his pride and what he calls 'ill-luck' prevented him from doing so. This personal anecdote, as narrated in Chapter 21, serves to illustrate the principle that one cannot encounter Saints without destiny willing it. The chapter also introduces the idea that all Saints, regardless of their time or place, are essentially one and interconnected, a concept the author promises to elaborate on.