What does Chapter 21 say about why some people don't get to meet saints, using the author's own experience as an example?

Chapter 21 of the Sai Satcharitra explains that encountering saints requires good fortune and divine grace. The author, Hemadpant, shares his own experience to prove this point. When he was a Magistrate in Bandra, he was repeatedly urged to visit a renowned Siddha named Pir Maulana. However, due to his own sense of prestige and what he calls "ill-luck," he never went for the vision, even though many Hindus, Parsis, and others did. He reflects that one fears their own shadow when ill-luck stands in the way. This personal story, as recounted in Chapter 21, illustrates the teaching that the company of Saints is not accessible to the unfortunate and that such a union is difficult to attain without God's grace.