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

In Chapter 21, the author, Hemadpant, recounts his own experience to demonstrate that meeting a Saint requires good fortune. He narrates that when he was a Magistrate in Bandra, there was a famous Siddha named Pir Maulana. Despite being repeatedly urged by the Siddha's servant, Inus, to come for his vision, Hemadpant refused. He attributes this refusal to his own ego and what he calls "ill-luck" standing in his way, causing him to think, "Why should I go? Should I be pressured by others and lose my own prestige?" This personal story, as detailed in Chapter 21, serves as a prime example of how even proximity to a great soul is not enough if one's fortune and God's grace are not present.