I agree with that.
With of 13 cards - A to K
4 pts pay 1.5
5 pts pay 2
6 pts pay 3
7 pts pay 4
8 pts pay 7
9 pts pay 8 Tie Pay
Take example
5 pts pay 2
You only lose 4 cards out of 13 cards = 33.77% lose
If player 0 pts, need to take 6,7,8,9
If player 1 pts, need to take...