What does this chapter say about the law of Karma and the difference between being learned and being faithful?

Chapter 47 presents the law of Karma as being 'very deep' and ultimately incomprehensible to the human mind. It makes a distinct contrast between intellectual knowledge and simple faith. The text states that even the 'highly learned are deceived' when trying to understand Karma's intricate workings. However, it offers a reassuring message for devotees, asserting that 'the ignorant but faithful are saved.' This suggests that unwavering faith in a protector like Sai is a more reliable path to deliverance than intellectual prowess, which can falter in the face of such profound cosmic laws as described in Chapter 47.