What does this chapter say about the importance of faith versus intellectual knowledge in one's spiritual journey?

According to Chapter 12, firm faith is far more valuable than intellectual prowess or 'dry knowledge.' The text strongly cautions against the company of those who, 'intoxicated with the pride of knowledge,' disparage the path of devotion. It suggests that such pride is fruitless and that the end does not seem good for learned scholars who obstruct devotion. In contrast, the chapter states that an ignorant person, simply by the 'power of faith,' can successfully 'cross the crisis of the fear of worldly existence.' The key takeaway is that placing firm faith at the feet of a saint like Sai can destroy ignorance, whereas the 'stiffness of dry knowledge' often leads to a dead end, creating a riddle that is never solved.