What does Chapter 28 say about the relationship between karma, meeting a saint, and spiritual progress?

In Chapter 28, a clear connection is drawn between one's past actions and the opportunity for spiritual advancement. The text states, "When the accumulated karma of many births rises up, Then the company of saints is attained." This implies that meeting a true saint like Sai Baba is not a random event but a result of accumulated merit. The chapter goes on to describe the profound effects of this meeting: "the darkness born of delusion is destroyed," "The fire of discrimination becomes ignited," and "Accumulated karma is destroyed." Ultimately, this process leads to a successful life, where one becomes detached from worldly enjoyments.