What does Chapter 21 say about the role of luck or fortune in being able to meet a Saint?

Chapter 21 of the Sai Satcharitra strongly emphasizes that encountering Saints is not a simple matter but requires the dawning of good fortune and the presence of God's grace. The author uses his own life as a prime example, explaining how he failed to visit the saint Pir Maulana due to his own ego, which he attributes to "ill-luck" standing in the way. The text explicitly states, "Unless good fortune dawns, One does not encounter Saints and Sages; even if He is near one's pillow, the sinful person cannot see Him." It posits that the company of Saints is not accessible to the unfortunate and that this sacred union only becomes easy when divine grace is bestowed upon an individual.