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

In Chapter 21, the author recounts his own experience from when he was a Magistrate in Bandra. A famous Siddha named Pir Maulana resided there, and his servant, Inus, repeatedly urged the author to come for his darshan. However, the author confesses that due to his own pride and ego, he questioned why he should be pressured by others and never went. He reflects on this as a time when "ill-luck" stood in his way, preventing the meeting. This personal anecdote, as narrated in Chapter 21, serves as a powerful illustration of the principle that the company of Saints is not accessible to the unfortunate and that one needs God's grace and good fortune to attain such a union, even when a Saint is physically close.