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

Chapter 21 of the Sai Satcharitra contains a personal account from the author, who was a Magistrate in Bandra. He explains that a famous Siddha named Pir Maulana resided there, and despite being repeatedly urged by the Siddha's servant to have his vision, the author's ego and "ill-luck" prevented him. As detailed in this chapter, he thought going would diminish his prestige and thus he never went. This story is used to illustrate the principle that one only encounters Saints when good fortune dawns and God’s grace is present, as the author states, "this company of Saints is not accessible to the unfortunate."