What is the connection between a person's luck or fortune and their ability to meet a Saint, according to Chapter 21?

According to Chapter 21, there is a direct and crucial link between one's fortune and the opportunity to meet a Saint. The text posits that unless good fortune dawns, one cannot encounter Saints and Sages, even if they are physically close. The author uses his own life as proof, explaining how his "ill-luck" and pride prevented him from visiting the Siddha Pir Maulana in Bandra. He states, "One fears one's own shadow when ill-luck stands in the way." The chapter reinforces this by concluding that the company of Saints is not accessible to the unfortunate and that this union is only made easy when God's grace is present.