What does Chapter 44 say about Sai Baba's view on karma and destiny?

While Chapter 44 does not provide a direct quote from Sai Baba on karma, it reveals the devotee's perspective, which is centered on faith in the Guru over understanding complex doctrines. The author admits his own ignorance, stating, "I do not understand Prarabdha (destiny) or Sanchita (accumulated karma); nor do I know Kriyamana (current actions)." Instead of dwelling on these concepts, he places his complete trust in the "merciful King of Gurus, Sai." This implies that for a devotee, the path to stability and peace lies not in deciphering the laws of karma but in seeking the grace and mercy of the Sadguru, who has authority even over Time.