What does Chapter 21 say is required for someone to actually meet a Saint? Is just being nearby enough?

According to the teachings in Chapter 21, simply being in the physical proximity of a Saint is not sufficient to truly encounter them or receive their grace. The text emphasizes that 'unless good fortune dawns, one does not encounter Saints and Sages.' The author uses his own failure to visit Pir Maulana in Bandra as a prime example, stating that 'one fears one's own shadow when ill-luck stands in the way.' The chapter concludes this point by stating that the company of Saints is not accessible to the unfortunate and is only easy to attain 'when God’s grace is present.' Therefore, the ability to meet a Saint is presented as a matter of divine grace and favorable destiny, not just a matter of chance or location.