What personal story does the author share in Chapter 21 to illustrate the importance of good fortune in meeting a Saint?

In Chapter 21, the author recounts a personal experience from his time as a Magistrate in Bandra. A famous Siddha named Pir Maulana lived in the city, and people of all faiths, including Hindus and Parsis, went for his darshan. The author's own servant, Inus, repeatedly urged him to go, but he refused out of a sense of pride and prestige, questioning why he should be pressured by others. He later reflects that this refusal was due to his own "ill-luck" standing in the way, preventing him from seeing a Saint even when one was so close. As Chapter 21 explains, this story serves as a personal testament to the principle that one needs good fortune to encounter holy beings.