What philosophical principle about the company of Saints is presented in Chapter 21, and how is it supported by the author's personal narrative?

Chapter 21 puts forth the principle that the company of Saints is not accessible to the unfortunate and is only easily attained when God's grace is present. The author, Hemadpant, supports this by narrating his own experience. When he was the Magistrate in Bandra, he had every opportunity to visit the famous Siddha, Pir Maulana, but his ego and what he calls "ill-luck" prevented him. He notes that even if a Saint "is near one's pillow, the sinful person cannot see Him." It was only later, after being transferred, that "Shirdi became an unbreakable bond." This personal story powerfully illustrates the chapter's core teaching that divine will, not human effort, governs the blessed union with a Saint.