What does Chapter 12 say about the value of faith compared to knowledge, especially concerning those who are ignorant of spiritual matters?

Chapter 12 of the Sai Satcharitra places a high value on faith over intellectualism. The text acknowledges that some people are ignorant, engrossed in worldly desires for family and wealth, and do not understand the supreme spiritual goal. However, instead of condemning them, it states that God and saints feel pity and affection for such innocent ones. The chapter explicitly teaches that 'Firm faith will then manifest; the stiffness of dry knowledge is fruitless.' This suggests that sincere devotion and trust are more valuable for spiritual progress than rigid, intellectual understanding alone.