What are the main teachings and stories in Chapter 21 of Sai Satcharitra?

Chapter 21 of the Sai Satcharitra primarily teaches that meeting saints requires good fortune and God's grace, and that all saints are inwardly one despite appearing in different times and places. To illustrate the first point, the narrator shares a personal story from his time as a Magistrate in Bandra. He was repeatedly urged to visit a famous Siddha, Pir Maulana, but his pride and ego prevented him from going. As Chapter 21 explains, he attributes this failure to ill-luck standing in his way. The chapter also posits that saints are 'essentially inseparable from one another,' incarnating for specific purposes but remaining unified in spirit.