What is the perspective in Chapter 12 on the value of intellectual knowledge versus simple faith?

Chapter 12 of the Sai Satcharitra strongly advocates for faith over intellectual pride. The text contrasts an "ignorant person" who, by the power of faith, can cross the crisis of worldly existence, with scholars who are "intoxicated with the pride of knowledge." It describes the stiffness of "dry knowledge" as fruitless and warns against keeping the company of those who consider themselves learned but disparage the path of devotion. The chapter posits that firm faith in a saint can destroy ignorance, whereas the pride of scriptural scholars becomes a riddle that is never solved, suggesting that humility and devotion are far more valuable for spiritual progress.