What principle regarding the 'company of Saints' is explained in Chapter 21, and how does the author's experience in Bandra support it?

Chapter 21 puts forth the principle that the company of Saints is not accessible to the unfortunate and is attained only when God's grace is present. The author uses his own past to prove this point. While serving as a Magistrate in Bandra, he was physically near a revered Siddha, Pir Maulana, yet he consistently refused to visit him due to his own ego. He later realized this failure was not a simple choice but a result of his 'ill-luck' standing in the way. As Chapter 21 illustrates, this personal story shows that mere proximity is insufficient; a divine sanction or 'good fortune' is essential for such a sacred union to occur.