What personal story does the author share in Chapter 21 to explain why meeting a Saint requires good fortune?

In Chapter 21, the author recounts a personal experience to prove his point about needing good fortune to meet a Saint. He describes his time as a Magistrate in Bandra, where a famous Siddha named Pir Maulana lived. Although the Siddha's servant, Inus, persistently urged him to come for a vision, the author refused, thinking, "Why should I go? Should I be pressured by others and lose my own prestige?" He later recognized this reluctance as a form of ill-luck that stood in his way. This story from Chapter 21 serves as a candid admission of how his own mindset prevented an encounter that many others sought, reinforcing the idea that such meetings are not accessible to the unfortunate.