What personal story does the author share in Chapter 21 to illustrate why meeting a saint is difficult?

In Chapter 21 of the Sai Satcharitra, the author, Hemadpant, recounts his own experience from when he was a Magistrate in Bandra. A famous Siddha named Pir Maulana resided there, and despite his servant, Inus, repeatedly urging him to seek a visit, the author refused. He attributes this reluctance to his own pride and what he calls "ill-luck" standing in the way. He uses this personal anecdote to demonstrate his point that one needs good fortune to dawn before an encounter with a saint is possible. He states that many years passed and he was transferred before he eventually formed an "unbreakable bond" with Shirdi, reinforcing the idea that such unions are only possible when God’s grace is present.