What is the core philosophical point Chapter 21 makes about needing 'good fortune' to meet a true Saint?

Chapter 21 posits that the ability to meet Saints is not a random event but a direct result of one's good fortune and divine grace. The text explicitly states, "Unless good fortune dawns, One does not encounter Saints and Sages." It further claims that even if a Saint is physically close, a sinful or unfortunate person cannot truly see or recognize them. The author uses his own failure to visit Pir Maulana as a personal testimony to this principle, blaming his "ill-luck" for the missed opportunity. As Chapter 21 clarifies, the company of Saints is not accessible to the unfortunate and this sacred union is only made easy when God's grace is present.