What is the perspective in Chapter 12 on having scriptural knowledge versus having faith?

Chapter 12 strongly advocates for the power of faith over what it calls 'dry knowledge.' The text warns against individuals who are well-versed in the Vedas and Vedangas but become 'intoxicated with the pride of knowledge' and obstruct the path of devotion. According to this chapter, such pride is fruitless. In contrast, it is mentioned that an ignorant person, solely by the power of faith, can successfully cross the crisis and fear of worldly existence. As Chapter 12 puts it, the riddles of proud scriptural scholars are never solved, but the ignorance of the ignorant is destroyed by placing faith at the feet of saints.