What is the main message of Chapter 21 regarding encountering saints, and what personal story is used to illustrate this?

Chapter 21 of the Shri Sai Satcharitra teaches that one needs good fortune and God's grace to encounter Saints and Sages. To prove this principle, the narrator shares a personal experience from his time as a Magistrate in Bandra. Despite being near a famous Siddha named Pir Maulana and being constantly urged to visit, his pride and what he calls "ill-luck" prevented him from ever going for a vision. This story, as told in Chapter 21, illustrates that even if a saint is nearby, an unfortunate person cannot see them until the proper time comes, which is only through divine grace.