Why is having a Guru in a physical form, or a 'Saguna' Guru, considered so important for a devotee according to the teachings in Chapter 11?

Chapter 11 of the Sai Satcharitra strongly emphasizes the importance of a Saguna, or manifest, Guru for a devotee's spiritual progress. The text argues that as long as the worshipper has a physical body, the Guru must also be in a physical form. This is because a manifest Guru provides a tangible focus for devotion. According to Chapter 11, it is with a physical Guru that one can exchange words of love, place one's head at their feet in reverence, and worship them with offerings. The chapter states that meditating on this manifest form is the path to true devotion, which leads to the ultimate realization of the formless.