What does Chapter 28 say about the connection between a person's karma and their ability to find a saint?

Chapter 28 explains that attaining the company of a saint is a significant spiritual event driven by past actions. The text states, "When the accumulated karma of many births rises up, Then the company of saints is attained." This meeting is not a matter of chance but a result of accumulated merit. According to this chapter, such an encounter has a transformative effect: it destroys the "darkness born of delusion," ignites the "fire of discrimination," and fosters detachment from worldly enjoyments. Ultimately, this process leads to the destruction of accumulated karma and ensures that one's life becomes spiritually successful.