What is the relationship between past karma, attaining the company of saints, and spiritual progress as described in Chapter 28?

Chapter 28 elucidates a profound spiritual sequence, linking past actions to present spiritual opportunities. The text posits that "When the accumulated karma of many births rises up, then the company of saints is attained." This suggests that the blessing of associating with a saint like Sai Baba is not a random event but a result of meritorious deeds from past lives. According to the chapter, this sacred company ignites the "fire of discrimination," fosters detachment from worldly enjoyments, and destroys the darkness of delusion. As Chapter 28 teaches, this process ultimately leads to the destruction of accumulated karma, making one's life spiritually successful.