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

Chapter 28 posits a direct link between one's accumulated actions from past lives and the opportunity to meet a saint. The text states, "When the accumulated karma of many births rises up, then the company of saints is attained." This encounter is described as a transformative event where the "darkness born of delusion is destroyed." According to this chapter, attaining the company of a Guru ignites the fire of discrimination, leads to detachment from worldly enjoyments, and destroys accumulated karma, ultimately making one's life successful. This spiritual principle is presented in Chapter 28 as the underlying reason why a devotee is drawn to a Guru.