Why might a person fail to meet a holy person even if they are physically close, according to the teachings in Chapter 21?

Chapter 21 teaches that meeting a Saint is not a matter of simple proximity but a result of good fortune and divine grace. The text explicitly states, "Unless good fortune dawns, one does not encounter Saints and Sages; even if He is near one's pillow, the sinful person cannot see Him." The narrator uses his own life as an example to prove this principle. When he was a Magistrate in Bandra, he was close to the famous Siddha Pir Maulana but never went for his vision due to his own pride and "ill-luck." This personal failure illustrates the chapter's core message that the company of Saints is not accessible to the unfortunate and that such a union is difficult to attain without God's grace.