What does this passage say about the law of Karma, and who is more likely to be saved?

The passage from Chapter 47 describes the law of Karma as being exceptionally deep and beyond ordinary comprehension. It states that even the most highly learned individuals can be deceived by its complexities, suggesting that intellectual prowess alone is insufficient to navigate its intricacies. However, the chapter offers a crucial insight, as highlighted in verse 20. It claims that while the learned may falter, it is the "ignorant but faithful" who are ultimately saved. This implies that simple, unwavering faith in a protector like Sai is a more effective path to deliverance from the bonds of Karma than scholarly or intellectual understanding.