What does Chapter 21 say about the importance of good fortune or luck when it comes to meeting a saint?

Chapter 21 places great emphasis on the role of destiny and divine grace in meeting a saint. The text explicitly states, "Unless good fortune dawns, One does not encounter Saints and Sages." It further clarifies that even if a saint is physically near, a sinful or unfortunate person cannot see them. The author uses his own life as an example, admitting that when he was urged to visit the Siddha Pir Maulana, he refused because his "ill-luck" stood in the way. The core teaching presented here is that the "company of Saints is not accessible to the unfortunate" and that such a blessed union is only easy to attain when "God’s grace is present."