What does Sai Satcharitra Chapter 12 say about the value of simple faith versus being a knowledgeable scholar?

Chapter 12 places a much higher value on simple, firm faith than on scholarly knowledge, which it sometimes refers to as "dry knowledge." The text warns against the company of those who are well-versed in scriptures but are intoxicated with pride and use their learning to obstruct the path of devotion. It suggests their end does not seem good. Conversely, Chapter 12 states that an ignorant person, by the power of sincere faith, can easily cross the ocean of worldly existence. The key is placing faith at the feet of a saint, which has the power to destroy ignorance, whereas the pride of knowledge can be a fruitless obstacle.