Why does Chapter 11 say it's important to worship a Guru with a physical form? Isn't God supposed to be formless?

This is a key philosophical point addressed in Chapter 11 of the Sai Satcharitra. The text explains that as long as a worshipper has a physical body, it is necessary to have a Guru in a physical, manifest (Saguna) form to properly cultivate devotion. The scripture clarifies that for a formless being, a formless object of worship is suitable, but this doesn't apply to humans. Chapter 11 resolves this by stating that the manifest ('Sakara') and unmanifest ('Nirakara') are ultimately one and the same, not different from each other. It uses the analogy of ghee, which is still ghee whether it is frozen and solid or melted and liquid, to illustrate that Saguna and Nirguna are two states of the same universal reality.