What personal experience does the author share in Chapter 21 to illustrate the difficulty of meeting a Saint without good fortune?

In Chapter 21, the author narrates a personal story from his time as a Magistrate in Bandra. A well-known Siddha named Pir Maulana lived there, and people of all faiths sought his darshan. The Siddha's servant, Inus, persistently urged the author to visit, but he refused. The author confesses that his own ego and pride stood in the way; he worried that being pressured by others to visit would diminish his own prestige. He reflects on this as a period of "ill-luck" where one's own ego becomes a hindrance. As told in Chapter 21, he was eventually transferred from Bandra without ever having met Pir Maulana, using this missed opportunity to teach that the company of saints is not accessible to the unfortunate and requires divine grace.